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 DRN2434674
13 Feb 2014 MBNA Limited Not upheldBanking and creditMiss B complains that MBNA Limited did not tell her that the interest rate on her credit card account increased. This meant her account fell into arrears and, following default, the debt was sold to a third party and a court judgement registered against her. Miss B wants the collection ... (2 pages)View decision -
Decision Reference DRN0747651
23 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr M complains that Lloyds Bank plc acted irresponsibly by allowing him to increase his overdraft. He also complains that Lloyds failed to refund interest and charges on his account after a debt management plan was put in place.backgroundIn late 2013 Mr M was able t... (2 pages)View decision -
Decision Reference DRN5604067
26 Feb 2015 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr B complains that Moorcroft Debt Recovery Limited harassed him with phone calls, threats of litigation and a home visit. backgroundIn February 2012 Moorcroft contacted Mr B about a credit card debt it said he owed a third party lender – which I shall call “A”. Mr B said the debt was... (2 pages)View decision -
Decision Reference DRN5697458
23 Sep 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs M complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.our initial conclusionsOur adjudicator recommended upholding the complaint. L&G didn’t agree, so the case has come to me.my final decisionI... (2 pages)View decision -
Decision Reference DRN3991528
25 Jan 2016 Lending Stream Limited UpheldBanking and creditMr J complains about the way he was treated by Lending Stream Limited (LSL) when he found it difficult to make his loan repayments during a time of financial difficulty. background Mr J took out a loan with LSL in December 2010. Mr J wrote to LSL in July 2011 to ... (2 pages)View decision -
Decision Reference DRN1264306
5 Jun 2015 HSBC Bank plc Not upheldBanking and creditS, a limited company, complains that HSBC Bank Plc did not respond to efforts to repay a debt. It issued threatening letters instead. S is represented by its director, Mr W. Mr W asks that HSBC reinstates S’s bank account, agrees reasonable terms to repay the lo... (2 pages)View decision -
Decision Reference DRN1966297
20 Apr 2020 National Westminster Bank Plc UpheldBanking and creditMr S complains that National Westminster Bank Plc (NatWest) removed money from his current account, without his permission, in order to apply those funds to a NatWest credit card debt.backgroundThe adjudicator’s background summary covered all the relevant facts and is known to both Mr S an... (3 pages)View decision -
Decision Reference DRN4164610
8 Aug 2018 HSBC Bank plc Not upheldBanking and creditMs B has written to us about a joint account she and her ex-husband set up with HSBC Bank Plc. The court order from their divorce says that Ms B and her ex-husband agree to be liable for half of the debt each and the account should then be closed. Ms B is unhappy... (2 pages)View decision -
Decision Reference DRN8192938
27 Nov 2014 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mr A complained about PPI taken out in 1994 at the same time as his credit card. HFC Bank Limited (HFC) has offered a goodwill payment to compensate Mr A for the cost of the PPI. Mr A has not accepted this offer and brought his complaint to this service. background In 1994 Mr A took ... (2 pages)View decision -
Decision Reference DRN-4634765
20 Mar 2024 NCO Europe Limited UpheldConsumer CreditDRN-4634765 The complaint Mr M complains about NCO Europe Limited’s actions when trying to recover a debt in his name. What happened Mr M complains that despite being made aware he’s vulnerable and suffers with serious mental health difficulties NCO has continued to correspond with him ins... (3 pages)View decision
