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 70661 results
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Decision Reference DRN-4546945
21 Mar 2024 American Express Services Europe Limited UpheldBanking and PaymentsDRN-4546945 The complaint Mr E complains American Express Services Europe Limited (AmEx): Allowed a significant amount of gambling transactions on his Platinum card and won’t write the remaining debt off Won’t write off the debt on what I’ll refer to as his Other card in recognition of t... (4 pages)View decision -
Decision Reference DRN3613338
7 Jun 2013 MBNA Limited Not upheldBanking and creditMrs D complains that she sent a cheque for £150 to MBNA Limited in full and final settlement of her outstanding debt to it. MBNA disagrees and has pursued her for the outstanding balance - £335.84 - owed by Mrs D.backgroundMrs D sent a cheque for £150 to MBNA. Her cheque was accom... (2 pages)View decision -
Decision Reference DRN5344662
13 Jan 2016 Bank of Scotland Plc Not upheldBanking and creditMiss M wants Bank of Scotland plc (BoS) to pay the refund they have offered on the interest charged on her loans directly to her. At present, BoS want to pay that amount to the new debt holders to reduce the balance on the debt. Miss M disagrees.backgroundMiss ... (2 pages)View decision -
Decision Reference DRN1717272
23 Oct 2017 Hoist Finance UK Limited Not upheldBanking and creditMr O has complained Hoist Finance UK Limited hasn’t met the terms of the Consumer Credit Act in asking him to pay a debt on a credit card. He wants them to give him a signed credit agreement, all of his personal data they hold and prove they’re the legal owner of th... (2 pages)View decision -
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 DRN-5004295
16 Oct 2024 RESOLVECALL LIMITED Not upheldConsumer CreditDRN-5004295 The complaint Mr B has complained about RESOLVECALL LIMITED’s contact regarding a debt. What happened This complaint surrounds a mail order account. The debt owner asked Resolvecall to collect the debt on their behalf. Resolvecall are a regulated debt collection agency. Reso... (3 pages)View decision -
Decision Reference DRN9426572
13 Oct 2015 NewDay Ltd UpheldBanking and creditMr M complains NewDay Ltd has been asking others to try and recover a debt he believes he’d already paid off.backgroundMr M says he took out a store card in the 1990s and made regular payments towards it. He says that the direct debit used to pay the card was mist... (2 pages)View decision -
Decision Reference DRN6253368
4 Nov 2014 Skyfire Insurance Company Limited Not upheldInsurance (excluding PPI)Mr E complains that Skyfire Insurance Company Limited (trading as 1st Central) passed his debt for an outstanding premium due on his motor insurance policy to its debt collectors prematurely. He seeks compensation for its poor service and the hassle he has experienced. backgroundMr E’s ... (2 pages)View decision -
Decision Reference DRN2469083
30 Jan 2015 First Finance Money Management Limited UpheldBanking and creditMiss L has complained that First Finance Money Management Limited did not manage her debt management plan effectively. She is particularly concerned that interest and charges continued to be added to the credit card account, which was part of the plan.backgroundMiss L took out a debt ma... (2 pages)View decision
