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
-
Decision Reference DRN-4451793
13 Nov 2023 Progressive Money Limited Not upheldConsumer CreditDRN-4451793 The complaint Miss C complains that Progressive Money Limited (‘Progressive’) irresponsibly gave her a loan that she couldn’t afford in August 2017. What happened In 2017, Miss C applied for a loan with Progressive. The loan amount was £5,000, the term was 48 months and the mon... (3 pages)View decision -
Decision Reference DRN-4644526
11 Mar 2024 United Trust Bank Limited Not upheldMortgagesDRN-4644526 The complaint Mr F and Miss H complain that United Trust Bank Limited (UTB) irresponsibly lent them a second charge mortgage (secured loan) that was unaffordable and caused them further financial difficulties. Mr F and Miss H have also brought a complaint against the broker tha... (5 pages)View decision -
Decision Reference DRN-3416080
23 May 2022 Drydens Limited Not upheldConsumer CreditDRN-3416080 The complaint Mr D has complained about Drydens Limited pursuing him for a debt which he says he previously settled. What happened Both sides are most familiar with the case, so I’ll summarise things in brief. This complaint is about a credit card account which was opened in 20... (3 pages)View decision -
Decision Reference DRN8220464
22 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMiss W is unhappy about the charges applied to her Bank of Scotland plc (trading as Halifax) account.backgroundMiss W had an account with Halifax a number of years ago. The account became overdrawn and was passed to debt collectors. Miss W said Halifax didn’t give h... (2 pages)View decision -
Decision Reference DRN-2767940
14 May 2021 Arrow Global Limited Not upheldBanking and PaymentsDRN-2767940 The complaint Mr T complains that Arrow Global Limited didn’t notify him that is was seeking to obtain a County Court Judgment (CCJ) against him in relation to a debt he’d accrued. He’d like the debt written off. What happened Mr T tells us that he didn’t receive any notice fro... (2 pages)View decision -
Decision Reference DRN7738944
12 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).our initial conclusionsOur adjudicator didn’t think the mortgage had been mis-sold.my final decisionTo decide what is fair and r... (2 pages)View decision -
Decision Reference DRN5933279
20 Jan 2015 National Westminster Home Loans Limited Not upheldBanking and creditMr D complains that National Westminster Home Loans Limited wrongly accepted payment to redeem his mortgage following the compulsory purchase of his property. He asks for compensation of about £64,000 for his financial loss.backgroundIn 2001 Mr D’s property was damaged by fire. Mr D d... (2 pages)View decision -
Decision Reference DRN5593292
9 Mar 2015 Arrow Global Limited UpheldBanking and creditMiss L has complained that Arrow Global Limited will not write off a debt she owes it.backgroundfactsMiss L has a debt for £1,178 with Arrow Global. She has explained that she is unable to repay this and is suffering from terminal illness and a number of other serious health proble... (3 pages)View decision -
Decision Reference DRN9667026
16 Aug 2017 NewDay Ltd Not upheldBanking and creditMr M complains about NewDay Ltd (“the business”) registering a default against his credit file, and selling his outstanding debt to a third party. backgroundMr M previously had a credit card, which was operated by the business. In summer 2014 Mr M reached his credit li... (3 pages)View decision -
Decision Reference DRN-4228586
22 Dec 2023 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4228586 The complaint Mr M complains Creation Consumer Finance Ltd (“Creation”) haven’t managed his account with them correctly after he fell into arrears. What happened Mr M borrowed from Creation in 2017. The account fell into arrears and from August 2018 was administered as part of ... (2 pages)View decision
