We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 69943 results
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Decision Reference DRN2216159
7 Nov 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is about the compensation from a mis-sold payment protection insurance (PPI) policy. National Westminster Bank Plc (NatWest) wants to use the compensation to offset against arrears. Mr A wants NatWest to pay the compensation directly to him.backgroundAn adjudicator from t... (2 pages)View decision -
Decision Reference DRN5922955
21 Dec 2018 Lowell Financial Ltd Not upheldBanking and creditMr B complains that Lowell Financial Ltd is pursuing him for a debt he doesn’t owe.backgroundLowell acquired a debt amounting to £767.20 from a mobile phone company in February 2016. It sent a letter of assignment to Mr B in March 2016. Shortly before this Mr B ha... (2 pages)View decision -
Decision Reference DRN9417976
14 Jan 2020 PRA Group (UK) Limited Not upheldBanking and creditMr P complains that PRA Group (UK) Limited are now pursuing him for a debt that he thought had been settled. backgroundMr P took out a fixed-sum loan agreement in September 2009 with a third-party creditor to help fund the purchase of a car. He eventually returned the vehicle to the main f... (2 pages)View decision -
Decision Reference DRN1936517
12 Dec 2017 Link Financial Outsourcing Limited UpheldBanking and creditMr M complains that his credit file contains incorrect records from Link Financial Outsourcing Limited (Link) relating to a debt that is no longer being pursued. backgroundI understand that Mr M took out credit with a third party, and was unable to maintain payments on ... (2 pages)View decision -
Decision Reference DRN7148601
6 Nov 2013 National Westminster Bank Plc Not upheldBanking and creditMr S complains that National Westminster Bank Plc (“NatWest”) is holding him liable for an overdraft on the business account of his former limited company. background Mr S asked the bank to cancel the personal guarantee he had previously signed against a business current account. The ba... (2 pages)View decision -
Decision Reference DRN3322643
30 Oct 2019 Hoist Finance UK Limited Not upheldBanking and creditMr P says he no longer owes a credit card debt which originated with Santander and which Hoist Finance UK Limited says is now owed to Hoist. backgroundHoist’s representative Robinson Way Limited has written to Mr P pursuing the debt. Mr P says he’s already repaid the debt via a debt manage... (2 pages)View decision -
Decision Reference DRN4524346
22 Aug 2018 Tesco Personal Finance PLC Not upheldBanking and creditMr P complains about the way Tesco Personal Finance Plc has applied charges to his credit card account after he thought it was closed and how it has treated him since the account was reopened.backgroundIn July 2018 I issued a provisional decision saying that I didn’t ... (3 pages)View decision -
Decision Reference DRN-3061393
21 Sep 2021 Secure Trust Bank Plc UpheldConsumer CreditDRN-3061393 The complaint Miss L has complained that Secure Trust Bank Plc lent to her irresponsibly. What happened In 2015, Miss L took out an unsecured loan with Secure Trust for a total of approximately £8,200 over 36 months. In 2016, she rolled it into a new Secure Trust unsecured loan... (4 pages)View decision -
Decision Reference DRN1383003
26 Mar 2014 Legal & General Partnership Services Limited Not upheldBanking and creditThrough a claims management company, (CMC) Mr and Mrs S complain that two mortgages were mis-sold to them by Legal & General Partnership Services Limited (L&G) in 2006 and 2008.backgroundMr and Mrs S took advice from L&G in 2006 and 2008. On each occasion they remortgaged,... (2 pages)View decision -
Decision Reference DRN3402373
26 Mar 2015 WorldPay (UK) Limited Not upheldBanking and creditMiss Q complains that WorldPay (UK) Limited has unfairly asked her to pay arrears that she had not realised had accrued. background Miss Q had a merchant facility with WorldPay for her business. WorldPay says that, after initially collecting the monthly charges under a ... (2 pages)View decision
