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 71745 results
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Decision Reference DRN-3214100
15 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3214100 The complaint Mr B complained about Barclays Bank UK PLC. He’d been a victim of identity theft, with a fraudulent Barclays account set up in his name, and a debt incurred on it. Barclays said it had closed the fraudulent account, but around 18 months later, Mr B was contacted a... (4 pages)View decision -
Decision Reference DRN6991513
11 Jul 2013 Mackenzie Hall Limited Not upheldBanking and creditMr A complains about being pursued for a debt by Mackenzie Hall Limited as he believes it did not have the authority to contact him.backgroundThe adjudicator did not recommend the complaint be upheld. She referred to a separate case where she had already explained why Mackenzie Hall had... (2 pages)View decision -
Decision Reference DRN6253368
4 Nov 2014 Skyfire Insurance Company Limited Not upheldInsurance (excluding PPI)Mr E complains that Skyfire Insurance Company Limited (trading as 1st Central) passed his debt for an outstanding premium due on his motor insurance policy to its debt collectors prematurely. He seeks compensation for its poor service and the hassle he has experienced. backgroundMr E’s ... (2 pages)View decision -
Decision Reference DRN-3693377
21 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3693377 The complaint Ms C complains that Barclays Bank UK PLC trading as Barclaycard didn’t add 8% compensatory interest to her refund. What happened Ms C received a refund form Barclaycard due to interest and fees that were incorrectly applied to her account. Ms C says that the refun... (2 pages)View decision -
Decision Reference DRN-1385799
7 Dec 2020 Hoist Finance UK Limited Not upheldBanking and PaymentsDRN-1385799 The complaint Mr S makes a number of complaints about Hoist Finance UK Limited following the sale of a debt to it. Mr S is represented by a business I will call “L”. What happened Mr S says Hoist has failed to provide either him or his representative information he would like t... (2 pages)View decision -
Decision Reference DRN-5388368
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5388368 The complaint Mr A complains that ACI-UK LIMITED (ACI) are chasing him for a debt they’ve been unable to evidence legal ownership of. He also complains that ACI registered a default on his credit file in 2022, for a debt that allegedly defaulted in 2018. What happened I issu... (5 pages)View decision -
Decision Reference DRN1922109
15 Aug 2013 BCB Solutions Limited UpheldBanking and creditMr L complains that BCB Solutions Limited (trading as MyClaimsExpert) failed to administer a debt management plan adequately, causing him severe distress.backgroundMr L set up a debt management plan with MyClaimsExpert in July 2011. This was to repay two debts with the same creditor, pr... (2 pages)View decision -
Decision Reference DRN5344662
13 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMiss M wants Bank of Scotland plc (BoS) to pay the refund they have offered on the interest charged on her loans directly to her. At present, BoS want to pay that amount to the new debt holders to reduce the balance on the debt. Miss M disagrees.backgroundMiss ... (2 pages)View decision -
Decision Reference DRN1801337
22 Oct 2013 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank plc charged an unreasonable rate of interest on a loan to a company of which he was a director and that the bank would not agree to accept, in full and final settlement, an offered payment under his personal guarantee, of that company’s outstanding debt.... (2 pages)View decision -
Decision Reference DRN-3334415
12 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3334415 The complaint Mr S complained that Everyday Lending Limited trading as Everyday Loans lent to him irresponsibly and provided a loan that was unaffordable. What happened Mr S took out a loan with Everyday Loans as follows: Date taken Loan amount Term Monthly repayment Loan statu... (4 pages)View decision
