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 77095 results
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Decision Reference DRN0482732
7 Nov 2016 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs G complain that National Westminster Bank Plc wasn’t helpful when they found themselves in financial difficulties. In particular, it didn’t allow them to rent out their property while they were trying to sell, didn’t accept their offer of full and final s... (4 pages)View decision -
Decision Reference DRN4558748
13 Jul 2017 Link Financial Outsourcing Limited Not upheldBanking and creditMs R is unhappy about Link Financial Outsourcing Limited asking for payment of a debt it bought from another business.backgroundLink bought a debt Ms R owed another financial business. Ms R wants to see the agreement between the two businesses and find out how much Li... (1 page)View decision -
Decision Reference DRN-6019198
4 Feb 2026 Lowell Financial Ltd Not upheldConsumer CreditDRN-6019198 The complaint Mr D complains Lowell Financial Ltd (Lowell) are asking him to repay a debt which was irresponsibly lent. He’s also unhappy they didn’t identify there was irresponsible lending when purchasing the account, and that they didn’t take into account his vulnerabilit... (3 pages)View decision -
Decision Reference DRN5857467
31 Jul 2013 Barclays Bank Plc Not upheldBanking and creditMr S complains that Barclays Bank Plc has recorded a substantial debt in his name with credit reference agencies in respect of a joint account he had with his former partner (who I shall refer to as Ms T). He says that the overdraft limit on the account had been £4,000 but the bank all... (3 pages)View decision -
Decision Reference DRN9700816
2 Mar 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr D and Miss E complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr D and Miss E had an interest only mortgage, made up of several elements, some of which were on a fixed rate and some o... (3 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 DRN5036291
17 Jan 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMs D complains, in summary, that Cabot Financial (Europe) Limited, (“CFL”), hasn’t handled her debt reasonably.backgroundMs D entered into a credit card agreement with a credit card provider (“P”) in 2004. She fell into arrears and her account was defaulted by P in May 2... (3 pages)View decision -
Decision Reference DRN5059098
2 Aug 2019 Barclays Bank UK PLC UpheldBanking and creditMr F complains that Barclays Bank UK PLC (“Barclays”) allowed him to get into financial difficulties by giving him lending he couldn’t repay. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 24 June 2019 – a copy of which... (7 pages)View decision -
Decision Reference DRN7322774
15 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMiss R complains that Barclays Bank PLC has wrongly sold her debt to a debt recovery company when it agreed to write it off. backgroundMiss R got into financial difficulties with her business current account and business loan. Miss R said that she agreed with the bank in June 2010 that ... (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