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 74365 results
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Decision Reference DRN6982130
5 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr T complains that Lloyds TSB Bank plc sold his loan and credit card debts to a third party, B, without first telling him that it was doing so. He is concerned that B will use unfair tactics to recover the debts from him. our initial conclusionsThe adjudicator did not recommend... (2 pages)View decision -
Decision Reference DRN9337235
20 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMiss Y complains that NEO Media Solutions Limited (trading as One Debt Solution): misled her as to how quickly her debts would be cleared; did not clearly explain what it would charge for its services, or when these charges would be taken; and did not pass payments she made to i... (2 pages)View decision -
Decision Reference DRN-4150693
13 May 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4150693 The complaint Mr O complains National Westminster Bank Plc (“NatWest”) closed his accounts without explanation. Mr O also complains NatWest failed to properly support him in paying off his overdraft debt and registered a default against him. Mr O wants compensation for the dist... (4 pages)View decision -
Decision Reference DRN-4404022
20 Oct 2023 Evolution Lending Limited UpheldMortgagesDRN-4404022 The complaint Mr H complains that Evolution Lending Limited irresponsibly lent him a second charge mortgage (secured loan). What happened In 2019, Mr H took out a second charge mortgage with Evolution. He borrowed money to consolidate and repay existing debts elsewhere. He borr... (5 pages)View decision -
Decision Reference DRN-3467683
27 May 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3467683 The complaint W is a limited company of which Mr C is a director. He brings the complaint on W’s behalf. The complaint is that National Westminster Bank Plc (NatWest) has debited the company account without the proper authority to do so. What happened A cheque for £8,336.62 was... (3 pages)View decision -
Decision Reference DRN3265153
13 Jan 2020 Sesame Limited Not upheldBanking and creditMr and Mrs S complain they were mis-sold a mortgage by an appointed representative of Sesame Limited.backgroundMr and Mrs S complain about an interest-only mortgage they took out in 2007, having received advice from Sesame’s representative.Mr and Mrs S say the mortgage wasn’t right for the... (3 pages)View decision -
Decision Reference DRN-2496995
12 Jan 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2496995 The complaint Mr D complains that Vanquis Bank Limited sold his credit card debt fraudulently and the Notice of Assignment (NOA) was signed by a person who doesn’t work at Vanquis and so he believes it was forged. What happened In November 2019 Mr D complained to Vanquis that h... (3 pages)View decision -
Decision Reference DRN4533811
24 Feb 2016 Santander UK Plc Not upheldBanking and creditMr T has complained that Santander UK Plc (Santander) registered a default on his credit file.backgroundMr T said his former wife ran up a debt on their joint account while they were going through a divorce. When Santander chased him for the repayment, he explained h... (2 pages)View decision -
Decision Reference DRN7233349
29 Nov 2019 Hoist Finance UK Limited Not upheldBanking and creditMrs S complains about the contact that she’s received from Hoist Finance UK Limited, trading as Robinson Way, about her debt. She’s being helped with her complaint by her husband.backgroundMrs S had a credit card debt from 2008 with a third party that was transferred to Robinson Way in Sep... (3 pages)View decision -
Decision Reference DRN4316477
28 Jun 2013 Nationwide Building Society UpheldBanking and creditMr W complains that Nationwide Building Society is chasing him for a debt he paid in full years ago. our initial conclusionsThe adjudicator recommended that the complaint should be upheld, saying he was satisfied that the debt, which was the subject of County Court proceedings, was ... (2 pages)View decision
