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 69825 results
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Decision Reference DRN-4395632
12 Oct 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4395632 The complaint Mrs M complains that Tesco Personal Finance PLC (Tesco Bank) was irresponsible in its lending to her. What happened Mrs M was provided with two loans by Tesco Bank. The first loan was provided in 2015 and a further loan was provided in August 2018. Based on the ti... (4 pages)View decision -
Decision Reference DRN7633426
27 Oct 2016 Barclays Bank Plc Not upheldBanking and creditMiss G complains that Barclays Bank Plc mismanaged the sale of her business property, meaning the sale proceeds weren’t enough to clear her debts. She asks that Barclays writes off the balance of her loan. backgroundMiss G had a commercial mortgage from Barclays, sec... (3 pages)View decision -
Decision Reference DRN9061444
29 Apr 2015 Cash Box Credit Union Limited UpheldBanking and creditMr M complains that Cash Box Credit Union Limited has not dealt fairly with him in relation to repayment of a loan.backgroundMr M took a loan from Cash Box. Following financial difficulties, he was unable to keep up repayments on the loan and it went into arrears. ... (2 pages)View decision -
Decision Reference DRN-1864807
29 May 2020 BW Legal Services Limited UpheldConsumer CreditDRN-1864807The complaintMr J complains that BW Legal Services Limited pursued him for a debt that wasn’t his. He’s also unhappy that incorrect information was recorded on his credit file. Mr J’s father has been dealing with the complaint on his behalf. For ease, I’ll refer to anything he’s... (5 pages)View decision -
Decision Reference DRN-2916616
15 Jul 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2916616 The complaint Mrs S complains that Barclays Bank Plc trading as Barclaycard (Barclaycard) lent to her irresponsibly. Mrs S is represented by Mr S, her husband. What happened Mrs S had a credit card from Barclaycard from 2012. Between 2013 and 2018, her credit limit was increase... (4 pages)View decision -
Decision Reference DRN3934777
10 Feb 2016 Lloyds Bank PLC UpheldBanking and creditMrs K complains that Lloyds Bank PLC mis-sold her a loan and a credit card in 2005.backgroundMrs K owed over £20,000 to three other companies with which she had credit cards. In March 2005 Lloyds refinanced her borrowing by giving her a loan and a new credit card. (A... (2 pages)View decision -
Decision Reference DRN3827903
3 Mar 2016 The Co-operative Bank Plc Not upheldBanking and creditMr A complains that The Co-operative Bank Plc (“Co-op”) sold his debt, and won’t buy it back. backgroundMr A held a credit card account with Co-op, on which he defaulted. A five-year repayment plan was then agreed, subject to periodic review, at the end of which Co-o... (2 pages)View decision -
Decision Reference DRN6682683
10 Oct 2014 Lowell Portfolio I Ltd Not upheldBanking and creditMrs A complains that Lowell Portfolio I Ltd is chasing her for a debt that does not belong to her. She is also unhappy about how she has been treated since she asked for evidence of the debt. our initial conclusionsThe adjudicator recommended that the complaint should be upheld ... (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 DRN2297722
14 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMr M complains that Barclays Bank PLC failed to update the correspondence address for a buy-to-let mortgage he held with it, when he moved home. Consequently, when the mortgage fell into arrears, due to a problem with the direct debit, Mr M did not receive the letters sent by Barclays and... (2 pages)View decision
