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-2955901
27 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2955901 The complaint Miss G says Valour Finance Limited trading as Savvy.co.uk (“Savvy”) irresponsibly lent to her. What happened Savvy provided the following loan to Miss G: Date Taken Date Repaid Monthly instalments Amount Monthly repayment 29/06/2017 Outstanding 18 £1,750.0 0 £194.... (5 pages)View decision -
Decision Reference DRN3437997
6 Jun 2017 Endsleigh Insurance Services Ltd Not upheldInsurance (excluding PPI)Mr E complains that Endsleigh Insurance Services Ltd has handled the cancellation of his home insurance policy unfairly and unreasonably.backgroundMr E arranged his home insurance through Endsleigh for a number of years. His contents policy also included additional cover f... (2 pages)View decision -
Decision Reference DRN9854894
30 Sep 2015 Fairline Financial Limited UpheldBanking and creditMrs and Mr S have complained about Fairline Financial Limited’s administration of their debt management plan. In particular, they say that payments to their creditors have been made late or not at all, and Fairline has applied a number of fees to their account whic... (3 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 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 DRN-3549426
15 Dec 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3549426 The complaint Mr K complains that HSBC UK Bank Plc applied a persistent debt marker to his credit card without informing him and did not issue him a replacement credit card in 2019. What happened Mr K applied for a loan in June 2020 but this was rejected. He was initially infor... (3 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 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 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
