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 DRN9558796
1 May 2015 Yorkshire Building Society Not upheldBanking and creditMr G complains that Yorkshire Building Society (trading as Norwich & Peterborough Building Society) mis-sold him a loan consolidating his debt which was secured on his home.backgroundMr G took out a mortgage with Yorkshire Building Society in 2004. In January 2008 he ... (2 pages)View decision -
Decision Reference DRN-3699575
23 Sep 2022 Mortgage Express Not upheldMortgagesDRN-3699575 The complaint Mr H complains that Mortgage Express is unfairly pursuing him for repayment of a mortgage shortfall resulting from its sale of his property in 2009. What happened In 2007, Mr H took a buy to let remortgage with Mortgage Express for approximately £93,500 plus fees.... (4 pages)View decision -
Decision Reference DRN8694225
30 Dec 2019 Vanquis Bank Limited Not upheldBanking and creditMr H complained because Vanquis Bank Limited recorded an ‘’Arrangement to pay’’ on his credit file. He wants Vanquis to record a ‘’Default’’ instead.backgroundMr H had a Vanquis credit card with a limit of £1,500. He exceeded the limit and had a balance of around £1,850. Mr H wasn’t able t... (2 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 -
Decision Reference DRN6106222
1 Aug 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr W is unhappy that The Royal Bank of Scotland Plc transferred his debt between collection agents and that one of these did not respond to a verbal settlement offer he made. He requests that the debt be waived.our initial conclusionsThe adjudicator did not recommend that t... (2 pages)View decision -
Decision Reference DRN0009852
30 Apr 2020 MBNA Limited Not upheldPayment protection insurance (PPI)Mr D is unhappy with the amount of compensation MBNA Limited (MBNA) has paid to him for a mis-sold payment protection insurance (PPI) policy that was associated with his credit card.backgroundMr D opened his credit card in May 1995 and at the same time took out a PPI policy. When he compla... (3 pages)View decision -
Decision Reference DRN5189620
17 Sep 2015 Clear View Finance Limited UpheldBanking and creditMr O has complained Clear View Finance Limited didn’t make all the monthly payments to his creditors.backgroundMr O took out a debt management plan with Clear View in 2012. He mostly paid them £325 a month and was charged £25 monthly fees. Clear View visited him at ho... (2 pages)View decision -
Decision Reference DRN4967403
8 Feb 2016 Barclays Bank Plc Not upheldBanking and creditMrs S complains that Barclays Bank Plc didn’t honour its promise to write off her loan.background Mr S brings this complaint on behalf of his wife, Mrs S. In 2002 Mrs S borrowed a five-figure sum from Barclays in order to repay her overdraft. She made monthly repaym... (3 pages)View decision -
Decision Reference DRN5061664
15 Jan 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundIn 2005 L & G recommended that Mr and Mrs F take a new mortgage. In doing so, they took a five year fixed rate, con... (2 pages)View decision