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
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Decision Reference DRN0073947
11 Apr 2018 Santander UK Plc Not upheldBanking and creditMs V complains that Santander UK Plc recorded a default on her credit file. backgroundMs V has a current account with Santander which had an overdraft limit of £1,500. In February 2017 the overdraft facility was removed and she entered into an arrangement to repay £... (2 pages)View decision -
Decision Reference DRN8539673
23 May 2014 Creation Consumer Finance Ltd Not upheldBanking and creditMr A complains that Creation Consumer Finance Limited was irresponsible in lending him £25,000.backgroundIn January 2009, Creation lent Mr A £25,000. Mr A says that although he asked for this loan, a responsible lender would not have given it to him and that he has only been able to mak... (2 pages)View decision -
Decision Reference DRN1134117
19 Apr 2013 Debt Managers Limited Not upheldBanking and creditMr Q complains that Debt Managers has not given him proof either that it had authority from Lloyds TSB Bank to collect payments for a debt he owed the bank, or that it had passed these on to the bank. In addition, it did not provide him with a copy agreement and statement of ac... (2 pages)View decision -
Decision Reference DRN-3467582
23 Aug 2022 Arrow Global Limited UpheldConsumer CreditDRN-3467582 The complaint Ms E complains Arrow Global Limited have chased her for an overdraft debt which she says they shouldn’t have. A number of companies have contacted Ms E about this debt, but as all were acting on behalf of Arrow, I’ve just referred to Arrow in this decision. What h... (2 pages)View decision -
Decision Reference DRN-1129065
2 Apr 2020 Vanquis Bank Limited UpheldBanking and PaymentsDRN-1129065 The complaintMr B complains that Vanquis Bank Limited only defaulted his account in March 2019, although he told it about his financial difficulties in 2015 and agreed a payment plan then. He said that all the other companies he owed money to applied defaults back in 2015. What... (2 pages)View decision -
Decision Reference DRN1835751
30 Apr 2020 American Express Services Europe Limited Not upheldBanking and creditMr M complains that American Express Services Europe Limited (American Express) treated him unfairly when it didn’t approve his request to help him reduce his credit card balance and this has had a negative impact on his mental wellbeing.backgroundMr M explained that he contacted American ... (5 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 DRN-3055142
5 Oct 2021 TFS Loans Limited Not upheldConsumer CreditDRN-3055142 The complaint and what happened Ms T complains that TFS Loans Limited, trading as Blue Fish Loans (“Blue Fish”), lent to her irresponsibly and without carrying out proper affordability checks. She would like all the fees and charges associated with the loan refunded, as well as... (3 pages)View decision -
Decision Reference DRN7582007
26 Feb 2018 Barclays Bank Plc Not upheldBanking and creditMr S complains that Barclays Bank Plc didn’t administer his loan and credit card account properly. As a result his credit card account was defaulted and passed to a debt collector.backgroundMr S took out a loan in 2008. He repaid the balance of his credit card account... (2 pages)View decision -
Decision Reference DRN5465334
26 Apr 2013 DAS Legal Expenses Insurance Company Limited Not upheldInsurance (excluding PPI)This complaint arises from DAS’ decision to decline Mr C’s legal expenses insurance claim.backgroundSince 2008 Mr C had been in dispute with his bank over the outstanding debt under a credit card agreement. Mr C refuted the allegation and wished to take legal action against the debt colle... (3 pages)View decision
