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 71923 results
-
Decision Reference DRN4875959
31 Jul 2014 Lloyds Bank PLC Not upheldBanking and creditMr H complains that Lloyds Bank PLC is unfairly pursuing him for a debt owed on a joint account. He wants the bank to stop pursuing him. our initial conclusionsThe adjudicator thought that Mr H did owe Lloyds the debt as he was a joint account holder and so jointly and severally... (2 pages)View decision -
Decision Reference DRN7657127
5 Sep 2014 Lloyds Bank PLC Not upheldBanking and creditMr Z complained that his credit card agreement was not enforceable because his copy of the application wasn’t signed by Lloyds Bank plc. He said his debts should therefore be written off.our initial conclusionsOur adjudicator found that if Lloyds were to seek to take action to ... (2 pages)View decision -
Decision Reference DRN4524786
24 Mar 2020 Sainsbury's Bank Plc Not upheldBanking and creditMrs B has complained that Sainsbury’s Bank Plc (‘the bank’) has wrongly refused her claim under section 75 Consumer Credit Act 1974. backgroundMrs B says she had no choice but to use her Sainsbury credit card to pay around £4,000 to a company that claimed to be collecting, from her husband... (2 pages)View decision -
Decision Reference DRN2712041
23 Dec 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr and Mrs W don’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use their payment protection insurance (PPI) compensation to reduce the debt from which they were discharged when their protected trust deeds came to an end in 2011.background Mr and Mrs W took out a series of e... (6 pages)View decision -
Decision Reference DRN6242070
14 Apr 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr and Mrs K complain that The Royal Bank of Scotland Plc mis-managed their commercial loan. They ask for compensation for their financial loss.backgroundMr and Mrs K took out a commercial loan in 2005 secured by a charge on their business premises. RBS did not tell the... (3 pages)View decision -
Decision Reference DRN2236641
20 Dec 2016 Santander UK Plc UpheldBanking and creditMrs H complains that Santander UK Plc (trading as Cahoot) wrongly chased her for a debt and delayed in contacting her about it.background In April 2010, Mrs H cleared her outstanding balance with Cahoot. In November 2010 a £50 purchase was made from the account. Cahoot ... (2 pages)View decision -
Decision Reference DRN0626611
26 Feb 2016 T.B.I. Financial Services Ltd. Not upheldBanking and creditMr W has a number of complaints against T.B.I. Financial Services Ltd. He complains about its solicitors, that it failed to investigate his complaint, hasn’t accounted for all the money he has paid, is making him pay more than he can afford and has not sent him a sig... (3 pages)View decision -
Decision Reference DRN4475118
22 Nov 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditComplaintMs W complains that The Royal Bank of Scotland Plc (RBS) sold her debt to a third party without telling her. BackgroundMs W has told us she took out a £30,000 loan with RBS but after maintaining the payments she experienced some financial difficulties. RBS defaulted the account in... (2 pages)View decision -
Decision Reference DRN4386754
30 Sep 2014 Wage payment and Payday Loans Limited UpheldBanking and creditMr A and his representative complain that Wage payment and Payday Loans Limited should not have approved his loan application due to his financial difficulties as it was unaffordable.backgroundMr A applied for a loan with WPPL. He provided it with information about his income and outgoi... (1 page)View decision -
Decision Reference DRN0358635
10 Jun 2016 Instant Cash Loans Limited UpheldBanking and creditMiss L complains that Instant Cash Loans Limited (trading as Money Shop) wrongly lent her money she couldn’t afford to pay back.backgroundMiss L took out three loans with the Money Shop. She says that the business didn’t carry out proper affordability checks and allowed... (2 pages)View decision
