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 77095 results
-
Decision Reference DRN2515899
2 Apr 2020 Totemic Limited Not upheldBanking and creditMr G complains Totemic Limited trading as Payplan (“Payplan”) withdrew his Debt Management Plan (“DMP”) without notice.backgroundMr G brought his complaint to us as he was unhappy with the response he’d received from Payplan to his concerns. Payplan told him he was well within his rights t... (3 pages)View decision -
Decision Reference DRN-3464412
1 Sep 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3464412 The complaint Mr J complains that Bank of Scotland plc trading as Halifax (“Halifax”) irresponsibly increased his credit card limit when he was struggling with his finances. What happened Mr J applied for and was provided with a Halifax credit card account in 2009. Halifax agre... (4 pages)View decision -
Decision Reference DRN2494785
8 Mar 2017 Baines & Ernst Limited Not upheldBanking and creditMr and Mrs A complain, in summary, that Baines & Ernst Limited, (“BEL”), didn’t providethem with appropriate information when they entered into a debt management plan (“DMP”)with it. The complaint is brought to this service on Mr and Mrs A’s behalf by a claimsman... (4 pages)View decision -
Decision Reference DRN3356263
15 Feb 2019 Santander UK Plc Not upheldBanking and creditMs G complains about a county court judgement relating to money owed to Santander UK Plc (“Santander”) as she has no relationship with them.backgroundMs G came to us as she was unhappy with Santander’s response to her complaint that she never had an account with them ... (2 pages)View decision -
Decision Reference DRN6885824
11 Jun 2020 Tesco Personal Finance PLC UpheldBanking and creditMr W complains Tesco Personal Finance PLC is unfairly holding him liable for a loan which he didn’t apply for.backgroundIn June 2016, Tesco approved a loan for £20,000 in the name of Mr W. The money was paid into a joint account – held at the time by Mr W and his wife. Days later, the fu... (2 pages)View decision -
Decision Reference DRN7456037
3 Jun 2015 Lloyds Bank PLC Not upheldBanking and creditMr G complains that Lloyds Bank PLC wrongly applied a default to his current account and he wants it removed.backgroundOur adjudicator did not recommend that this complaint be upheld. Lloyds had refunded three payments with interest to Mr G’s account, and paid £100 com... (2 pages)View decision -
Decision Reference DRN2732605
11 Apr 2017 NRAM plc Not upheldBanking and creditMr C complains that Landmark Mortgages Limited is pursuing him rather than his ex-partner for a shortfall debt from their joint mortgage.backgroundMr C held a mortgage with his now ex-partner. The property was sold. But the proceeds of the sale weren’t enough to rep... (2 pages)View decision -
Decision Reference DRN1300080
23 Apr 2015 Lowell Financial Ltd Not upheldBanking and creditMr L complains that Lowell Financial Ltd harassed him to repay a debt that he did not owe.backgroundLowell bought the debt from the original creditor and contacted Mr L, by letter, phone and text, to seek repayment. Mr L agreed to repay half of the amount outsta... (2 pages)View decision -
Decision Reference DRN1965934
26 Feb 2018 ARC (Europe) Limited Not upheldBanking and creditMiss D complains ARC (Europe) Ltd has acted inappropriately when collecting a debt on behalf of a third party lender. Miss D is represented in this complaint by Mr A. backgroundMiss D had a current account with a third party lender (“N”). She was overdrawn and stru... (3 pages)View decision -
Decision Reference DRN8177581
15 Jul 2015 Connells Limited UpheldBanking and creditMiss Y and Mr H complain that Connells Limited wrongly advised them to consolidate unsecured debt to their mortgage.backgroundMiss Y and Mr H took out a mortgage arranged by Connells in 2006. They were first time buyers and as they needed a 100% mortgage were recommend... (2 pages)View decision