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 DRN-1473015
6 Apr 2020 Hoist Finance UK Limited UpheldConsumer CreditDRN-1473015The complaintMr O complains about the response he got from Hoist Finance UK Limited (Hoist) to some letters he sent them. Mr O was dealing with Hoist’s appointed representatives, which means Hoist is responsible for their actions. To keep things simple, I’ll refer to both as “Ho... (2 pages)View decision -
Decision Reference DRN4540508
19 Jan 2016 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP wrongly applied for a county court judgement (CCJ), withouttelling him, after he agreed to pay a debt.backgroundMr H explains that he got paperwork from the court explaining that MKDP had applied forjudgement for a debt. He says that he ... (2 pages)View decision -
Decision Reference DRN8767611
19 Mar 2018 National Westminster Bank Plc Not upheldBanking and creditMr G and Miss B complain that National Westminster Bank Plc has defaulted their accounts.backgroundMr G and Miss B said that NatWest told them it was removing the overdraft facilities from their two joint accounts. They entered into a repayment agreement, and stuck to... (2 pages)View decision -
Decision Reference DRN7536165
13 Aug 2013 HSBC Bank plc Not upheldBanking and creditMs B complains that HSBC Bank plc closed her account without giving her notice and then provided poor customer service when it was re-opened.background HSBC wrote to Ms B in mid 2012 to tell her that the account was overdrawn. Some of the correspondence was then returned marked ‘Gone... (2 pages)View decision -
Decision Reference DRN5676301
1 Sep 2015 Sterling Financial Security Ltd UpheldBanking and creditMr W complains that Sterling Financial Security Ltd trading as Best Solutions has handled his debt management plan poorly. This has mean he’s now in more debt than when he started the plan.backgroundIn 2010 Mr W started a debt management plan with Best Solutions. He ... (2 pages)View decision -
Decision Reference DRN5218166
19 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr C complains that Harrington Brooks (Accountants) Limited failed to tell him about the availability of free debt management services.backgroundMr C set up a debt management plan (DMP) with a different business in October 2012. HB took over the management of Mr C’s D... (2 pages)View decision -
Decision Reference DRN5661107
12 May 2014 MBNA Limited Not upheldBanking and creditMr G complains that MBNA Limited incorrectly recorded adverse information on his credit reference file.backgroundThe adjudicator did not recommend the complaint should be upheld. Mr G and MBNA made an agreement for a reduced repayment amount when his financial difficulties began in 2003... (2 pages)View decision -
Decision Reference DRN8445957
14 Aug 2014 National Westminster Bank Plc Not upheldBanking and creditMiss O complains that National Westminster Bank Plc (‘NatWest’) has unfairly recorded a default against her credit file. backgroundIn May 2012 Miss O went into a NatWest branch to discuss her overdraft. The overdraft limit of £2,250 – which had been in place since December 2008 – had ... (3 pages)View decision -
Decision Reference DRN3117980
19 May 2016 Lending Stream Limited Not upheldBanking and creditMr J complains that Lending Stream LLC’s (“LSL”) affordability checks were inadequate andbecause of this it failed to realise that he was in financial difficulties when it lent him twoloans.backgroundMr J took out two loans with LSL. He borrowed £120 on 6 February 2... (4 pages)View decision -
Decision Reference DRN-2301503
22 Jan 2021 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-2301503 The complaint Miss S is unhappy that Clydesdale Financial Services Limited, trading as Barclays Partner Finance Limited (“BPF”), failed to write off a loan and remove reporting from her credit file after she’d informed it that the application was fraudulent. What happened In Ja... (3 pages)View decision
