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 70137 results
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Decision Reference DRN0084245
16 Feb 2018 Link Financial Limited Not upheldBanking and creditMrs M complains that Link Financial Limited is pursuing her for a debt which she shouldn’tbe held liable for.backgroundMrs M had a credit card with another financial business. The outstanding debt on the cardwas passed to Link to recover in 2003.In 2017, Mrs M told ... (2 pages)View decision -
Decision Reference DRN-3797657
21 Dec 2022 Oplo HL Ltd UpheldMortgagesDRN-3797657 The complaint Mr M complains that Oplo HL Ltd (“Oplo”) lent to him irresponsibly as he experienced financial difficulties during the repayment of the four loans he took out. What happened Mr M says that he purchased a property to renovate in 2016 and many unforeseen problems ar... (22 pages)View decision -
Decision Reference DRN5681793
27 Dec 2017 HSBC Bank plc Not upheldBanking and creditMiss J complained about overdraft charges on her account with HSBC Bank Plc. She wants a refund of the charges, going back for the last six years.backgroundIn September 2017, Miss J wrote to HSBC about the overdraft charges on her account. She said she’d had several me... (2 pages)View decision -
Decision Reference DRN2877645
7 Mar 2018 Hitachi Capital (UK) Plc Not upheldBanking and creditMiss S acquired household furniture in May 2012, by means of a 60 month fixed sum loan agreement with Hitachi Capital (UK) Plc. She subsequently experienced financial difficulties and entered a Debt Management Plan (DMP). She complains that she has repaid more than her o... (3 pages)View decision -
Decision Reference DRN-2374858
30 Nov 2020 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2374858 The complaint Mr D complains that Bank of Scotland plc, trading as Halifax, should pay him directly an amount it refunded to his credit card for interest, fees and charges that had been applied. He also complains about the support Halifax gave him while he was experiencing fina... (4 pages)View decision -
Decision Reference DRN-3932440
31 Mar 2023 Fresh Start UK Debt Management Ltd Not upheldConsumer CreditDRN-3932440 The complaint Mrs C complains about the service provided by Fresh Start UK Debt Management Ltd and the advice to take out and retain a Debt Management Plan (DMP). What happened In 2006 a business I’ll call P arranged a DMP for Mrs C in respect of debts in her name. P later wen... (3 pages)View decision -
Decision Reference DRN5740208
18 Nov 2019 National Westminster Bank Plc Not upheldBanking and creditComplaintMr W complains that National Westminster Bank Plc has asked to him repay a debt that he doesn’t believe he owes.BackgroundIn October 2016, Mr W took out a loan with NatWest of £1,600 which he used to repay the overdraft on his current account.Mr W maintained the loan repayments of... (2 pages)View decision -
Decision Reference DRN6991513
11 Jul 2013 Mackenzie Hall Limited Not upheldBanking and creditMr A complains about being pursued for a debt by Mackenzie Hall Limited as he believes it did not have the authority to contact him.backgroundThe adjudicator did not recommend the complaint be upheld. She referred to a separate case where she had already explained why Mackenzie Hall had... (2 pages)View decision -
Decision Reference DRN7445612
14 May 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs M complain that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs M had a mortgage with almost 20 years to run. They were in the fixed rate period, with about another three year... (2 pages)View decision -
Decision Reference DRN-3693377
21 Nov 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3693377 The complaint Ms C complains that Barclays Bank UK PLC trading as Barclaycard didn’t add 8% compensatory interest to her refund. What happened Ms C received a refund form Barclaycard due to interest and fees that were incorrectly applied to her account. Ms C says that the refun... (2 pages)View decision
