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 76853 results
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Decision Reference DRN2716447
11 Sep 2015 WorldPay (UK) Limited Not upheldBanking and creditS is a limited company and its complaint is brought by its representative, Mr B. Mr B complains that WorldPay (UK) Limited is chasing S for a debt that is not properly owed. backgroundS took a merchant services facility to enable it to accept plastic card payments. ... (3 pages)View decision -
Decision Reference DRN6745337
4 Dec 2019 Evergreen Finance London Ltd UpheldBanking and creditMr W complains that Evergreen Finance London Limited, trading as Moneyboat, made a mistake when it tried to collect a payment. Mr W says it led to embarrassment and financial loss.Since this complaint has been with this service Mr W has complained about being harassed by Moneyboat in relat... (5 pages)View decision -
Decision Reference DRN-5537271
6 May 2025 Nationwide Building Society UpheldBanking and PaymentsDRN-5537271 The complaint Mr L complains Nationwide Building Society irresponsibly provided him with an unaffordable overdraft facility. Mr L also complains about Nationwide Building Society’s service, including its decision to not write-off his outstanding balance. What happened Nation... (6 pages)View decision -
Decision Reference DRN-3299630
2 Mar 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3299630 The complaint Mr S has complained that HSBC UK Bank Plc (“HSBC”) haven’t dealt with his credit card debt in accordance with the Financial Conduct Authority’s (FCA’s) rules for dealing with customers in persistent debt. What happened Mr S has had a credit card with HSBC for many... (2 pages)View decision -
Decision Reference DRN-5386193
10 Jul 2025 PRA Group (UK) Limited Not upheldConsumer CreditDRN-5386193 The complaint Mr S complains PRA Group (UK) Limited have failed to meaningfully consider his request for his outstanding debt to be written off. What happened As I understand it Mr S had a credit card with a provider I’ll refer to as B. The account was sold to PRA on 16 Octo... (3 pages)View decision -
Decision Reference DRN4015976
6 Mar 2019 Tesco Personal Finance PLC UpheldPayment protection insurance (PPI)Mr O is unhappy with what Tesco Personal Finance Plc (Tesco) have offered to do to put things right following his complaint about the sale of payment protection insurance (PPI).backgroundIn November 2000, Mr O applied for PPI to protect the payments towards a cred... (3 pages)View decision -
Decision Reference DRN7309709
30 Jul 2014 The Funding Corporation Limited UpheldPayment protection insurance (PPI)and backgroundThis complaint relates to the sale of two single premium Payment Protection Insurance (‘PPI’) policies, sold in conjunction with personal loans in May and November 2005. Mr B complains The Funding Corporation Limited (‘TFC’) mis-sold the policies.Our adjudicator considere... (3 pages)View decision -
Decision Reference DRN-3271650
24 Jan 2022 Telefonica UK Limited UpheldConsumer CreditDRN-3271650 The complaint Mr E complains that Telefonica UK Limited (trading as O2) allowed a third party to take out more than one fixed sum loan agreement in his name. What happened Mr E contacted O2 in late 2018 as he believed it had allowed someone to acquire a mobile phone using a fix... (6 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 DRN7725839
6 Aug 2019 Shoosmiths LLP Not upheldBanking and creditMr C complains that Shoosmiths LLP have been chasing him for a debt he doesn’t believe he owes. backgroundMr C took out a personal loan from Lender A in 2005. Mr C says he’d taken out loans with Lender A prior to this too. The 2005 loan fell into arrears and Lender A started its recovery a... (2 pages)View decision