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 DRN2768329
24 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMr B complains that poor service provided by Lloyds Bank PLC on his business account has led to financial problems and caused him serious inconvenience and distress. background Mr B had a loan and a business current account – with an authorised overdraft - with the bank. These accounts... (3 pages)View decision -
Decision Reference DRN3492191
13 Nov 2013 Barclays Bank Plc Not upheldBanking and creditMr and Mrs H complain that Barclays Bank Plc did not treat them fairly in demanding repayment of their debt. They want it to remove negative items from their files with the credit reference agencies.our initial conclusionsThe adjudicator did not recommend that the complaint shoul... (2 pages)View decision -
Decision Reference DRN-3189724
31 Jan 2022 Experian Limited Not upheldConsumer CreditDRN-3189724 The complaint Mr K has complained about Experian Limited suggesting his address to debt collectors when they were tracing someone. What happened Both parties are most familiar with what happened, so I will summarise things in brief. This complaint revolves around a utility bill... (2 pages)View decision -
Decision Reference DRN-2709985
2 Aug 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2709985 The complaint Mr R complains Link Financial Outsourcing Limited have misled him into making payments for a debt they knew was unenforceable. A representative is supporting Mr R in bringing this complaint. What happened Mr R held a credit card, and his representative has said a ... (4 pages)View decision -
Decision Reference DRN-3027679
4 Oct 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3027679 The complaint Mr B is unhappy that Lloyds Bank PLC sent him a letter advising that his account is considered as being in a state of persistent debt. What happened Mr B received a letter from Lloyds which stated that his account was considered as being in a state of persistent d... (2 pages)View decision -
Decision Reference DRN8220464
22 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMiss W is unhappy about the charges applied to her Bank of Scotland plc (trading as Halifax) account.backgroundMiss W had an account with Halifax a number of years ago. The account became overdrawn and was passed to debt collectors. Miss W said Halifax didn’t give h... (2 pages)View decision -
Decision Reference DRN8011239
15 Feb 2019 MBNA Limited Not upheldBanking and creditMr M complains he received threatening communications from MBNA Limited inferring he’s incurring charges and fees on his credit card and he’s concerned credit reference agencies may be told he’s in persistent debt. He wants compensation for the stress and worry he’... (2 pages)View decision -
Decision Reference DRN-5404496
18 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5404496 The complaint Mr S complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr S was provided with a £5,000 loan by Vanquis in November 2022. The loan term was 36 months and Mr S was required to make monthly repayments of around £204. Mr S s... (3 pages)View decision -
Decision Reference DRN1622062
9 Mar 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr H and Ms D complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr H and Ms D took advice from L&G when the fixed rate on their previous mortgage was coming to an end.As a result of the advice they re-mor... (2 pages)View decision -
Decision Reference DRN9558796
1 May 2015 Yorkshire Building Society Not upheldBanking and creditMr G complains that Yorkshire Building Society (trading as Norwich & Peterborough Building Society) mis-sold him a loan consolidating his debt which was secured on his home.backgroundMr G took out a mortgage with Yorkshire Building Society in 2004. In January 2008 he ... (2 pages)View decision
