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 77095 results
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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 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 DRN-4038306
4 Aug 2023 Oakbrook Finance Limited Not upheldConsumer CreditDRN-4038306 The complaint Mr S complains that Oakbrook Finance Limited, trading as Likely Loans, (“Likely Loans”) has not made a fair and reasonable offer in settlement of his complaint. What happened In 2019 Likely Loans provided Mr S with a loan of £1,000. In 2022 Mr S complained that it... (2 pages)View decision -
Decision Reference DRN-4871460
10 Jul 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4871460 The complaint Mr F complains that Nationwide Building Society recorded a default marker on his credit file following his bankruptcy. What happened In May 2019 Mr F was made bankrupt. His debt to Nationwide was included in the bankruptcy. After the bankruptcy, his debt was defau... (2 pages)View decision -
Decision Reference DRN0801657
17 Aug 2017 Amigo Loans Ltd Not upheldBanking and creditMs S complains that Amigo Loans Ltd failed to notify the court that she settled her account which resulted in a charging order being placed on her property.backgroundIn 2014 Amigo Loans obtained a county court judgment against Ms S in respect of a loan which she had ... (2 pages)View decision -
Decision Reference DRN-3400889
18 Aug 2022 Quilter Financial Limited Not upheldPensions and AnnuitiesDRN-3400889 The complaint Mr F complains about the advice given by an appointed representative of Quilter Financial Limited (‘Quilter’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension with a drawdown facility. He says the advice wa... (8 pages)View decision -
Decision Reference DRN6671391
12 Nov 2013 National Westminster Bank Plc Not upheldBanking and creditMr M complains that National Westminster Bank Plc did not assist him during a period of financial difficulty. backgroundMr M was in financial difficulties and there were ongoing exchanges with the bank. He says that on several occasions, he asked NatWest to assist him. The bank asked Mr ... (2 pages)View decision -
Decision Reference DRN-4829759
22 Jul 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4829759 The complaint Mr G complains that National Westminster Bank Plc won’t write off the outstanding balance he owes. What happened Mr G had a credit card with NatWest, but due to the pandemic, he encountered financial difficulties, and he was unable to keep up with the repayment... (2 pages)View decision -
Decision Reference DRN-3804187
14 Nov 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3804187 The complaint Mr H complains that The Royal Bank of Scotland Plc unfairly closed his account causing a default and reported this information to the credit reference agencies. What happened RBS carried out a review of accounts held by Mr H and decided to close them, giving him s... (3 pages)View decision -
Decision Reference DRN-1872894
29 May 2020 Euler Hermes SA/NV Not upheldInsuranceDRN-1872894The complaintMr R is a director of a limited company I'll refer to as N. He's complained on N's behalf that Euler Hermes SA/NV turned down a claim on N's credit insurance policy. Mr R has been represented by Mr H in bringing this complaint. For ease of readin... (3 pages)View decision