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 74313 results
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Decision Reference DRN6035950
29 Apr 2015 Legal & General Partnership Services Limited 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).backgroundMr and Mrs F met with an appointed representative of L&G in 2005 when the fixed rate period on their cur... (3 pages)View decision -
Decision Reference DRN7670189
23 Apr 2013 Barclays Bank Plc UpheldBanking and creditMrs H complains that she was mis-sold a loan by Barclays Bank Plc that she took out the day before her late husband’s funeral to pay off a loan he had in his sole name. backgroundMrs H visited her local branch to discuss the outstanding balance on a loan her husband took out the yea... (2 pages)View decision -
Decision Reference DRN5367079
26 Nov 2015 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP continued to contact him for repayment of a debt which was in dispute and when it had told him it would suspend its collection activities.backgroundMKDP bought the debt from a third party. Mr H brought a complaint about the administration... (1 page)View decision -
Decision Reference DRN8645448
13 Aug 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr T complains that Lloyds TSB Bank Plc (“the bank”) has charged him thousands of pounds worth of fees and interest over the last ten years. He says that this has made his financial difficulties worse and prevented him from clearing his debts. Mr T wants the bank to refund all the charg... (1 page)View decision -
Decision Reference DRN3353536
27 Jun 2013 Santander UK Plc Not upheldBanking and creditMr O complains that Santander UK Plc sold a debt, which he disputes, to a third party financial company, and has refused to respond when he tried to discuss this with it. backgroundThe adjudicator considered this complaint and explained that we would not be able to consider the enforce... (1 page)View decision -
Decision Reference DRN9364229
29 Nov 2016 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr A is complaining that HSBC Bank Plc (HSBC) mis-sold him a payment protection insurance (PPI) policy. He’s unhappy with the amount it’s offered him in compensation.background The background to this complaint is set out in my provisional decision of October 2016, which... (8 pages)View decision -
Decision Reference DRN6221145
16 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMs D complains that, in spite of making substantial repayments, she has been unable to clear her credit card debts because of excessive interest charged by National Westminster Bank plc.backgroundMs D has two credit card accounts with NatWest. She says that she ran u... (3 pages)View decision -
Decision Reference DRN1356458
19 Dec 2019 PRA Group (UK) Limited UpheldBanking and creditMr C complains that PRA Group (UK) Limited (trading as PRA Group) are pursuing him for a debt that is unenforceable. background PRA Group purchased a debt that was owed by Mr C from the original creditor in October 2016. At the time the debt was purchased, he was making payments of £152.20... (3 pages)View decision -
Decision Reference DRN2706018
28 Sep 2018 National Westminster Bank Plc Not upheldBanking and creditMiss N is unhappy with the default notice that’s been placed on her credit file by National Westminster Bank Plc (NatWest) for the repayment of a joint overdraft. Miss N is also disputing she owes the outstanding amount of the overdraft as she says she wasn’t the ... (3 pages)View decision -
Decision Reference DRN-3670501
27 Sep 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3670501 The complaint Ms W says Lloyds Bank PLC closed her current account and credit card with no notice and unfairly defaulted the credit card debt permanently damaging her credit rating. What happened Ms W was declared bankrupt in another country on 16 April 2021. When Lloyds was no... (2 pages)View decision
