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 70898 results
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Decision Reference DRN8696974
19 May 2020 Santander Consumer (UK) Plc UpheldBanking and creditMr M complains that Santander Consumer (UK) Plc (‘Santander’) pursued him for a debt that he never took out. background Mr M says in 2012 Santander began to pursue him for a debt in relation to a car finance agreement (‘Agreement A’). He says that despite telling Santander it wasn’t his de... (9 pages)View decision -
Decision Reference DRN1529835
27 Jun 2018 Arrow Global Limited Not upheldBanking and creditMr H complains that Arrow Global Limited (“AGL”) is requiring him to pay a debt it hasn’t proved he owes.backgroundMr H says he had a professional studies loan and overdraft with a high street bank in 2002 and due to his family circumstances at the time he was una... (2 pages)View decision -
Decision Reference DRN4893230
1 Mar 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr C and Miss P complain through their Claims Management Company (“CMC”) that Legal & General Partnership Services Limited (“L&G”) mis-sold them a mortgage.backgroundMr C and Miss P were on a fixed rate that was coming to an end and were looking for a new pro... (2 pages)View decision -
Decision Reference DRN7332405
30 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs W, through a claims management company, complain that they were given unsuitable mortgage advice by Legal & General Partnership Services Limited (L&G).our initial conclusionsOur adjudicator recommended the complaint should be upheld. She thought the advice to consol... (2 pages)View decision -
Decision Reference DRN4282013
20 Feb 2014 HSBC Bank plc UpheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy sold with a credit card in November 2002. It also concerns a series of four PPI policies sold in connection with a succession of personal loans over the following years. The credit card and loans were provided by HSBC... (3 pages)View decision -
Decision Reference DRN5768520
30 Nov 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss D and her representative are unhappy about the advice she was given by Foundation for Credit Counselling (trading as Consumer Credit Counselling Service) (“CCCS”) to enter into a debt management plan. They say it was mis-sold to her and wasn’t the appropriate soluti... (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 DRN0459112
31 Jul 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr and Mrs R complain that Cabot Financial (Europe) Limited is chasing them for repayment of a debt which has already been settled.backgroundMr and Mrs R agreed a loan in 2007 secured on their home. The account defaulted in 2010 and Mr and Mrs R made reduced monthly... (2 pages)View decision -
Decision Reference DRN1782118
21 Sep 2015 MKDP LLP Not upheldBanking and creditMr B complains that MKDP LLP is chasing him for a debt he doesn’t owe. It has not provided the information he’s asked it for to show that it is the debt owner. Further he says the way that it has contacted him is inappropriate.our initial conclusionsOur adjudicato... (2 pages)View decision -
Decision Reference DRN-3835509
1 Dec 2022 NewDay Ltd Not upheldConsumer CreditDRN-3835509 The complaint Miss B complains that NewDay Ltd acted irresponsibly when they agreed to provide two credit card accounts and later increased the account limits to a level that was unaffordable. Miss B is represented by a claims management company (“the CMC”). What happened In Ma... (4 pages)View decision
