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 69825 results
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Decision Reference DRN3518017
30 Jan 2020 Barclays Bank UK PLC Not upheldBanking and creditComplaintMrs S complains that Barclays Bank UK PLC (trading as Barclaycard) is unfairly pursuing her to repay a credit card debt. BackgroundMrs S had a credit card with Barclaycard and in 2013 experienced some financial difficulties. In December 2013 a debt advice service got in touch wit... (2 pages)View decision -
Decision Reference DRN3037153
19 Dec 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Ms J’s complaint is about how Tesco Personal Finance PLC (“Tesco”) has used the compensation it offered on her payment protection insurance (“PPI”) policy attached to her credit card, to reduce her outstanding debt.backgroundMs J, through a claims management company (“... (4 pages)View decision -
Decision Reference DRN-3435584
19 Jul 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3435584 The complaint Miss S complains that AvantCredit of UK, LLC have sold her debt and adverse information has been added to her credit file. What happened Miss S had a complaint against Avant for unaffordable lending upheld. Miss S agreed a repayment plan for the capital amount of ... (3 pages)View decision -
Decision Reference DRN2723075
19 Dec 2014 Idem Capital Securities Limited Not upheldBanking and creditMr W complains about Idem Capital Securities Limited seeking repayment of a debt. He disputes the debt and is unhappy that he is being asked to make payments to the debt. backgroundThe case was considered by one of our adjudicators who did not recommend it be upheld. In summary, he foun... (2 pages)View decision -
Decision Reference DRN4062499
2 Jun 2017 Marks & Spencer Financial Services plc Not upheldBanking and creditMiss A says Marks & Spencer Financial Service Plc (“M&S”) has charged interest on her credit card unfairly. backgroundMiss A took out a charge card in 1987. This was upgraded to a credit card in 2003. In 2015, Miss A started on a debt management plan through... (2 pages)View decision -
Decision Reference DRN-4390956
21 Dec 2023 Metro Bank PLC UpheldBanking and PaymentsDRN-4390956 Complaint Mr G is unhappy that Metro Bank PLC (trading as RateSetter) loaded a Cifas marker against his name. Background In October 2021, Mr G applied for a loan with RateSetter. His first payment was due on 1 November 2021 but he didn’t make it. RateSetter contacted him about ... (2 pages)View decision -
Decision Reference DRN8234109
11 Mar 2014 Bournes Limited UpheldBanking and creditMr and Mrs Q complain about a debt management plan they entered into with Bournes Limited. They say payments were not distributed to their creditors as they expected them to be. They also complain that they were not kept updated with the progress of the plan.backgroundMr and Mrs Q enter... (3 pages)View decision -
Decision Reference DRN6048356
3 Oct 2018 Santander UK Plc Not upheldBanking and creditMrs B complains that she’s being pursued for repayment of the money that was lent to her under a fixed sum loan agreement with Santander UK plc, trading as Santander Cards. She also complains about the adverse information that’s been recorded on her credit file. ... (2 pages)View decision -
Decision Reference DRN-4278723
9 Jan 2024 Admiral Insurance (Gibraltar) Limited Not upheldInsuranceDRN-4278723 The complaint Mr H says Admiral Insurance (Gibraltar) Limited provided poor service after he cancelled his motor insurance policy, leading to an adverse credit marker being added to his record and left there for too long. What happened Mr H says he called Admiral to cancel his ... (2 pages)View decision -
Decision Reference DRN1716204
8 Nov 2018 Link Financial Outsourcing Limited UpheldBanking and creditMs E complains that Link Financial Outsourcing Limited has recorded a debt on her credit file when it had agreed to write off the debt. Mr E would like her credit file amended and compensation for her distress and inconvenience in sorting this matter out and for ... (2 pages)View decision
