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 70252 results
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Decision Reference DRN9499393
15 Sep 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr F is complaining that Capital One (Europe) plc (‘Capital One’) mis-sold him a payment protection insurance (‘PPI’) policy. He’s unhappy that it’s used the compensation to reduce a debt he says he doesn’t have. background Mr F took out a PPI policy alongside a credit c... (2 pages)View decision -
Decision Reference DRN-3255752
3 Feb 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3255752 The complaint Ms D has complained about TSB Bank plc, saying they didn’t respond to a Subject Access Request (SAR). What happened This complaint is about a current account overdraft. The current account was opened in Ms D’s name at her address in 2011. In 2014, the account ente... (2 pages)View decision -
Decision Reference DRN8437099
18 May 2017 Casheuronet UK LLC Not upheldBanking and creditMiss M complains that CashEuroNet UK LLC (trading as Pounds to Pocket) gave her an unaffordable instalment loan. She’s also unhappy with its level of service after she entered a debt management plan. She wants a refund of the interest and charges she paid. backgrou... (2 pages)View decision -
Decision Reference DRN-1808360
8 Jul 2020 Redhawk Legal Ltd Not upheldClaims ManagementThe complaint Mrs C is unhappy that Redhawk Legal Ltd (Redhawk) has failed to explain the fees she's been charged, and it has employed a debt collector to collect the fees. What happened In 2017, Mrs C asked Redhawk to make claims for mis-sold PPI on her behalf. She said she receiv... (2 pages)View decision -
Decision Reference DRN-4070162
4 Sep 2023 Suitable Choices Limited Not upheldMortgagesDRN-4070162 The complaint Mr S complains about poor mortgage advice from Suitable Choices Limited. He says the mortgage offer it secured for him expired before his existing product expired. He was unable to re-mortgage and consolidate debt, and by the time he took out a new interest rate p... (2 pages)View decision -
Decision Reference DRN4488877
30 Jan 2017 Barclays Bank Plc Not upheldBanking and creditMrs D complains that Barclays Bank Plc has not treated her fairly in that it made two loans to her which she considers were irresponsible, given her financial circumstances. She says the loans made her financial situation worse. She would like the bank to write of... (2 pages)View decision -
Decision Reference DRN3824585
13 May 2014 Lloyds Bank PLC UpheldBanking and creditMr C complains that Lloyds Bank Plc has passed on personal information about him to a debt collecting agency. He would like the bank to acknowledge its error and compensate him for the distress this has caused.backgroundIn July 2013 Mr C received a letter on the bank’s headed notepaper ... (2 pages)View decision -
Decision Reference DRN6375836
11 Sep 2015 CitiFinancial Europe Plc UpheldBanking and creditMr H complains that CitiFinancial Europe Plc (CFE) added interest and charges to his debt after he had entered into a debt management plan (DMP). our initial conclusionsThe adjudicator recommended that the complaint should be upheld. She considered that the debt management company (D... (2 pages)View decision -
Decision Reference DRN-2880834
18 Aug 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2880834 The complaint Miss B complains that Lowell Financial Ltd is reporting outstanding balances on her accounts after telling her the balances would be zero. Miss B is unhappy with the way in which Lowell handled her accounts. What happened Lowell Portfolio I Limited bought several ... (3 pages)View decision -
Decision Reference DRN5824059
1 Aug 2017 Vanquis Bank Limited UpheldBanking and creditMs G is represented by her brother, Mr G who brings this complaint on her behalf. He thinks that Vanquis Bank Limited (Vanquis) shouldn’t have allowed Ms G to take out a credit card with it – because she is a vulnerable consumer. backgroundIn May 2015, Ms G took o... (3 pages)View decision
