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 74313 results
-
Decision Reference DRN7105834
23 Oct 2015 Sigma SPV2 Limited Not upheldBanking and creditMr B complains that Sigma SPV2 Limited (Sigma) is pursuing him for debt he says isn’t his. And he’s unhappy with the information that has been recorded on his credit file about the debt.backgroundMr B says Sigma hasn’t provided him with a copy of the agreement he... (2 pages)View decision -
Decision Reference DRN-2893223
24 Jun 2021 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-2893223 The complaint Mr G complains that PayPal Europe Sarl & Cie, SCA made it difficult for him to return money to PayPal which they accidently refunded him and threatened him with a debt collection agency. What happened Mr G received refunds totalling £1,150 as a result of an er... (5 pages)View decision -
Decision Reference DRN-4479047
27 Nov 2023 Lowell Financial Ltd Not upheldConsumer CreditDRN-4479047 The complaint Mr M complains about the way that Lowell Financial Ltd (Lowell) has managed the collection of a debt in his name. What happened Lowell Portfolio I Limited bought an outstanding debt in Mr M’s name and appointed Lowell to manage it on its behalf. Mr M complained th... (3 pages)View decision -
Decision Reference DRN-2495434
11 Jan 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2495434 The complaint Miss A has complained that TSB Bank plc won’t remove a default from her credit reference files. What happened Miss A added her ex partner to her current account in April 2016. She said he’d coerced her into make her sole account a joint one. She said he then took ... (4 pages)View decision -
Decision Reference DRN7840541
20 May 2014 National Westminster Bank Plc UpheldBanking and creditMr and Mrs R complain that National Westminster Bank Plc mis-sold them a loan. backgroundIn early 2013 Mr and Mrs R tried to increase their mortgage to settle some of their other debts, but their application was refused by NatWest. Shortly afterwards NatWest contacted them about a tak... (2 pages)View decision -
Decision Reference DRN6802064
1 Feb 2018 Elevate Credit International Limited UpheldBanking and creditMr P complains that he obtained credit and took out loans with Elevate Credit International Limited (trading as Sunny) in 2014 and 2015. He says that he couldn’t afford these loans. Mr P also complains that it wasn’t right for Sunny to pass his debts to a debt collect... (9 pages)View decision -
Decision Reference DRN-3466692
4 Aug 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3466692 The complaint Mr I complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) lent to him irresponsibly. What happened Mr I was given a credit card by Barclaycard in November 2017. The limit was £3,800 and this wasn’t increased. Towards the end of 2020, minimum p... (4 pages)View decision -
Decision Reference DRN7958993
13 Jul 2016 Vincent Bond & Co. Limited Not upheldBanking and creditMr F complains that Vincent Bond & Co Limited mis-sold a debt management plan.He has complained through a third party, but for ease of reading this decision has been drafted as if the complaint was made by Mr F.backgroundMr F complains that Vincent Bond didn’t ... (2 pages)View decision -
Decision Reference DRN6591688
29 Apr 2014 Bank of Scotland Plc Not upheldBanking and creditMrs and Mr R complain that Bank of Scotland plc (trading as Halifax) gave them unsuitable advice when it recommended that they should re-mortgage and consolidate unsecured debts.our initial conclusionsOur adjudicator did not recommend that their complaint should be upheld. She said... (2 pages)View decision -
Decision Reference DRN2102426
3 Oct 2014 Black Horse Limited Not upheldPayment protection insurance (PPI)Mr W and Miss H’s complaint concerns two loans, one secured one unsecured taken with Black Horse Limited. They consider that the amount they repaid to a secured loan when settling it early was too high – and that Black Horse failed to properly explain the early settlement provisions or... (3 pages)View decision
