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 70772 results
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Decision Reference DRN6635001
30 Sep 2013 WKD UK Limited UpheldBanking and creditMr B complains about a debt management plan he took out with WKD UK Limited (trading as Money Tailor). He says that the amount he owes his creditors has increased since he has been making the payments to Money Tailor. He believes the original contract was not fit for purpose and he has ... (2 pages)View decision -
Decision Reference DRN2297722
14 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMr M complains that Barclays Bank PLC failed to update the correspondence address for a buy-to-let mortgage he held with it, when he moved home. Consequently, when the mortgage fell into arrears, due to a problem with the direct debit, Mr M did not receive the letters sent by Barclays and... (2 pages)View decision -
Decision Reference DRN7783037
3 Apr 2014 Lloyds Bank PLC Not upheldBanking and creditMr K complains that a debt collection agency, acting on behalf of Lloyds Bank PLC, pursued him for a debt that was not his. The bank has offered compensation but Mr K says it is not enough. background In December 2012 a debt collection agency wrote to Mr K in pursuit of a debt with L... (2 pages)View decision -
Decision Reference DRN-2731282
21 May 2021 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2731282 The complaint Mr W complains that in 2018 Clydesdale Bank Plc trading as Yorkshire Bank failed to recall a debt on his account that it had sold to a debt management company. He says as a result a CCJ was registered against his credit file for longer than it should have been and... (4 pages)View decision -
Decision Reference DRN-4099443
25 Sep 2023 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4099443 The complaint Miss M complains that HSBC UK Bank Plc (“HSBC”) provided a third party organisation with misleading information surrounding a debt she owed. This resulted in Miss M feeling anxious that she had debts she didn’t know about. What happened Miss M was working with a t... (3 pages)View decision -
Decision Reference DRN6641753
26 Apr 2013 National Westminster Bank Plc Not upheldBanking and creditMr D wants National Westminster Bank plc to confirm that he does not owe money, on the basis of the Limitation Act 1980 and the fact that he says he has not used the current account for more than six years. our initial conclusionsOur adjudicator did not recommend that this c... (2 pages)View decision -
Decision Reference DRN9025530
19 Aug 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss W complains that Foundation for Credit Counselling, trading as Stepchange, advised her about her debts but didn’t recommend bankruptcy which would’ve been the most suitable outcome for her. She is being helped with her complaint by a representative.backgroundMiss ... (2 pages)View decision -
Decision Reference DRN5544304
30 Sep 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMiss T complains that Harrington Brooks (Accountants) Limited mis-sold her a debt management plan. The complaint is brought on her behalf by a claims management company. It says a debt relief order would have been more suitable.backgroundMiss T sought advice from anot... (2 pages)View decision -
Decision Reference DRN9057095
16 Jan 2014 HSBC Bank plc Not upheldBanking and creditMrs H complains that HSBC Bank Plc allowed a third party to open a loan account fraudulently in her name.backgroundThe disputed loan was granted in 2002, for almost £7,000. Mrs H says that she did not apply for the loan, though she believes she knows who did but has no firm evidence a... (2 pages)View decision -
Decision Reference DRN2098819
12 Aug 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Ms K’s complaint was that she was mis-sold a payment protection insurance policy (PPI) with a credit card with Capital One (Europe) Plc (Capital One).backgroundCapital One agreed that the PPI had been mis-sold to Ms K and agreed to pay her compensation.Capital One off... (2 pages)View decision
