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 DRN-2916475
28 Jul 2021 MBNA Limited UpheldBanking and PaymentsDRN-2916475 The complaint Ms G complains that lending made to her by MBNA Limited was irresponsible. What happened Ms G said she applied for a credit card with MBNA in late 2018, when she already had a very considerable amount of debt. It offered to lend her £3,700, but she said this was n... (4 pages)View decision -
Decision Reference DRN3099438
13 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs T complain that they were mis-sold a mortgage by Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs T had a mortgage when they took advice from L&G. They also had credit cards, an unsecured loan and a substantial overdraft. Acting on advic... (2 pages)View decision -
Decision Reference DRN2692633
4 May 2017 Capital One (Europe) plc UpheldBanking and creditMr C is unhappy that Capital One (Europe) plc has registered a default against his credit record even though there’s an agreed debt management programme (DMP) in place. His other lenders haven’t registered a default and he doesn’t think that Capital One has followed indu... (4 pages)View decision -
Decision Reference DRN-2291430
2 Feb 2021 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2291430 The complaint Mrs C complains that The Royal Bank of Scotland Plc (“RBS”) informed her she was in persistent debt and it would close her credit card account. What happened Mrs C has held a credit card account with RBS since 2002. She acknowledges that she falls within the Finan... (3 pages)View decision -
Decision Reference DRN5683845
6 Sep 2019 Drydens Limited Not upheldBanking and creditMr M complains that Drydens Limited told him the offer he made to settle a debt was acceptable, but then later said it wasn’t. background Mr M owes a debt to a lender. This lender employs Drydens to recover repayment of this debt from Mr M on its behalf. Drydens agreed a debt management pl... (3 pages)View decision -
Decision Reference DRN3410996
30 Sep 2013 Santander UK Plc Not upheldBanking and creditMr T complains that Santander UK Plc failed to provide adequate warning before registering a default on his credit file and handled poorly his subsequent complaint.background Mr T took out a student account with Santander when he went to university and this subsequently turned into a gra... (3 pages)View decision -
Decision Reference DRN4817153
29 Sep 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that Harrington Brooks (Accountants) Limited (HB) provided poor service when she took out a debt management plan. background Mrs K took out the debt management plan (DMP) in 2014. In June 2016 HB told her one of her debts was paid off. It stopped making... (2 pages)View decision -
Decision Reference DRN5218166
19 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr C complains that Harrington Brooks (Accountants) Limited failed to tell him about the availability of free debt management services.backgroundMr C set up a debt management plan (DMP) with a different business in October 2012. HB took over the management of Mr C’s D... (2 pages)View decision -
Decision Reference DRN5661107
12 May 2014 MBNA Limited Not upheldBanking and creditMr G complains that MBNA Limited incorrectly recorded adverse information on his credit reference file.backgroundThe adjudicator did not recommend the complaint should be upheld. Mr G and MBNA made an agreement for a reduced repayment amount when his financial difficulties began in 2003... (2 pages)View decision -
Decision Reference DRN2176199
2 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMrs W complains about overdrafts and loans provided by Lloyds Bank PLC and the way it has gone about recovering money owed. backgroundMrs W and her husband were involved in a business which started to get into difficulties in 2005. They had a number of joint accounts and accounts in ... (2 pages)View decision
