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 71155 results
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Decision Reference DRN-2267959
29 Oct 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2267959 The complaint Mr M complains that Barclays Bank UK PLC unfairly registered a default on his credit file. What happened Mr M says he moved home but accepts he didn’t update Barclays with the new address. He says he was unaware that one of his Barclays Accounts was overdrawn and ... (2 pages)View decision -
Decision Reference DRN7921999
20 Jan 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr C is unhappy that Capital One (Europe) plc has used his payment protection insurance (PPI) refund to reduce his credit card balance instead of paying it directly to him.backgroundIn 2012, Capital One upheld Mr C’s complaint about mis-sold PPI. It worked out that ... (2 pages)View decision -
Decision Reference DRN1677761
10 Feb 2016 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs M complain Bank of Scotland plc (trading as Halifax) cashed a cheque they sent, in full and final settlement of a debt, but later said it wasn’t acceptable as settlement.backgroundMr and Mrs M wrote to Halifax on 9 March 2015 with a cheque for £164. The ... (2 pages)View decision -
Decision Reference DRN1830092
3 Jul 2015 MKDP LLP UpheldBanking and creditMr S complains that MKDP LLP has put a default on his credit record and is pursuing him for a debt that he’s not liable for.our initial conclusionsOur adjudicator said that MKDP LLP should remove the default and stop pursuing Mr S. She was satisfied that although the account be... (2 pages)View decision -
Decision Reference DRN8445237
1 Feb 2019 Shop Direct Finance Company Limited Not upheldBanking and creditMrs K complained that Shop Direct Finance Company Limited (Shop Direct Finance) sold a debt to a third party even though that debt was in dispute. backgroundMrs K bought a fridge freezer online in 2016. She says the product was on sale at the time, with an additional ... (2 pages)View decision -
Decision Reference DRN1880396
29 May 2015 Lowell Financial Ltd Not upheldBanking and creditMiss A complains that Lowell Portfolio I Ltd is wrong to chase her for a debt that is statute barred and unenforceable.our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. He’s satisfied Miss A took out the original credit agreement and Lowell boug... (2 pages)View decision -
Decision Reference DRN5188129
13 Dec 2016 Kapama Limited UpheldBanking and creditMiss M complains that Kapama Ltd (“Kapama”) recorded incorrect information about her when a loan defaulted. She also believes the loan was mis-sold as it wasn’t affordable. backgroundMiss M took a loan of £220 from a different lender in November 2012 - due to be rep... (2 pages)View decision -
Decision Reference DRN-3780710
9 Nov 2022 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3780710 The complaint Mr B complains that Vanquis Bank Limited irresponsibly granted him credit he couldn’t afford to repay. What happened Vanquis opened a credit card account for Mr B in January 2013. This type of credit was an open-ended or running account facility and the credit lim... (3 pages)View decision -
Decision Reference DRN-1715934
15 Dec 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1715934 The complaint Mrs T complains that National Westminster Bank Plc (NatWest) is pursuing her for repayment of an overdraft from a business she isn’t involved with. She wants NatWest to contact her former business partner over the matter and there to be no impact on her credit rat... (3 pages)View decision -
Decision Reference DRN3739649
4 Jul 2019 HSBC UK Bank Plc Not upheldBanking and creditMr W has complained about HSBC UK Bank Plc. Mr W says: HSBC failed to complete a current account switch correctly and instead just opened a current account with an overdraft facility. HSBC didn’t allow him to pay off the outstanding amount on his current account using his credit card. H... (4 pages)View decision
