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 74386 results
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Decision Reference DRN-3336198
8 Mar 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3336198 The complaint Mrs S complains that Creation Financial Services Limited trading as Creation didn’t default her credit cards in 2013. Instead it continued to charge her interest while she was in a debt management plan and her accounts defaulted in 2018 and 2020 respectively. She ... (3 pages)View decision -
Decision Reference DRN6242070
14 Apr 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr and Mrs K complain that The Royal Bank of Scotland Plc mis-managed their commercial loan. They ask for compensation for their financial loss.backgroundMr and Mrs K took out a commercial loan in 2005 secured by a charge on their business premises. RBS did not tell the... (3 pages)View decision -
Decision Reference DRN1589949
7 Oct 2015 CitiFinancial Europe Plc UpheldBanking and creditMr B has complained CitiFinancial Europe Plc gave a credit card to his father without assessing whether he could afford to pay.Mr B is representing his father’s estate in this complaint. backgroundMr B’s father died in April 2014. He found out his father had taken... (2 pages)View decision -
Decision Reference DRN7082709
19 Jul 2013 Debt Free Direct Limited Not upheldBanking and creditMrs and Mr H complain that Debt Free Direct Limited referred them to a fee-charging mortgage broker. They say they should have been told to go straight to a retail lender, to avoid a broker fee. our initial conclusionsOur adjudicator did not uphold the complaint. He did not think ... (2 pages)View decision -
Decision Reference DRN-2379201
12 Jan 2021 Arrow Global Limited Not upheldConsumer CreditDRN-2379201 The complaint Mr F complains that Arrow Global Limited obtained a County Court judgment (CCJ) against him despite the debt being subject of a Debt Management Plan (DMP). He wants the judgment to be set aside and compensation. What happened Mr F tells us that he entered into an ... (3 pages)View decision -
Decision Reference DRN-5560310
15 May 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5560310 The complaint Mrs A complains that Lloyds Bank plc (‘Lloyds’) sent her letters about being in persistent debt and suspended her credit card when she’d been overpaying more than was required. Mrs A wants Lloyds to recognise the upset this has caused her. What happened In Ap... (4 pages)View decision -
Decision Reference DRN6797780
21 Nov 2014 Microcredit Limited UpheldBanking and creditMr U has complained that Microcredit Limited, trading as MiniCredit.co.uk has applied excessive charges to a loan of £220 he took out in November 2012. backgroundMr U borrowed £220 from MiniCredit in November 2012. The total amount repayable was £283.80 within 30 days. Mr U entered into... (2 pages)View decision -
Decision Reference DRN2396014
22 May 2014 Link Financial Limited UpheldBanking and creditMr B complains about Link Financial Limited pursuing him for a debt that is not his. He is unhappy that Link has asked him to repay the debt and that it attempted to put a charging order on his property.backgroundThe background to this complaint, and my initial conclusions, were set out... (6 pages)View decision -
Decision Reference DRN-1110164
22 Apr 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-1110164The complaintMrs W complains Barclays Bank UK PLC failed to remove her from a joint bank account she held with her husband. This led to her being pursued for an outstanding debt and a default notice was placed on her credit file. What happenedMrs W held a joint bank account with... (3 pages)View decision -
Decision Reference DRN-5134439
20 Dec 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5134439 The complaint Mrs S complains that Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) suspended her credit card despite her making payments. She also complains that Barclaycard failed to treat her appropriately as a vulnerable customer. What happened Mrs S has a cre... (3 pages)View decision
