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 70370 results
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Decision Reference DRN2760448
24 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMrs H complains that it was irresponsible for Provident Personal Credit Limited to have lent to her and that the loans were unaffordable. She’s being helped with her complaint by her husband.backgroundProvident made five loans to Mrs H under fixed sum loan agreements... (3 pages)View decision -
Decision Reference DRN4222787
17 Jun 2015 Lloyds Bank PLC Not upheldBanking and creditMrs C disputes her liability to pay a £19,000 debt arising under a personal guarantee to Lloyds Bank PLC.backgroundMrs C ran a family business though her limited company. The company had an account with Lloyds. It had an agreed overdraft limit of £10,000. In June 2008... (3 pages)View decision -
Decision Reference DRN-2231717
4 Jan 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2231717 The complaint Mr B complained about Capital One (Europe) plc. There was a credit card in Mr B’s name, which he said he hadn’t taken out. Capital One refused to write off the debt, saying it believed it was Mr B who took out the card. Mr B wants the debt written off, and adverse... (3 pages)View decision -
Decision Reference DRN-1200014
1 Jul 2020 Virgin Money plc Not upheldBanking and PaymentsDRN-1200014 The complaintMiss R complains that Virgin Money plc sent her a persistent debt letter, refused to waive or reduce the interest rate on her credit card, and took nine weeks to deal with her complaint. What happenedMiss R has a Virgin Money credit card. In April 2019, she receiv... (3 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 DRN2772492
22 Jun 2017 MBNA Limited Not upheldBanking and creditMrs F is complaining about the way MBNA Limited (MBNA) recorded information on her credit file. backgroundMrs F had a credit card with MBNA. In May 2009 she entered into a debt management plan after falling behind on her payments and, as part of this, MBNA acce... (2 pages)View decision -
Decision Reference DRN-5054288
2 Oct 2024 Topaz Finance Limited Not upheldMortgagesDRN-5054288 The complaint Mr L complains that Topaz Finance Limited trading as Hessonite Mortgages contacted him about his old mortgage account. He said he was no longer liable to pay the debt because of a long-discharged bankruptcy, and he strongly objected to Hessonite getting in touc... (5 pages)View decision -
Decision Reference DRN4265889
21 Mar 2018 Paratus AMC Limited Not upheldBanking and creditMr B complains that Paratus AMC Limited is unfairly asking him to pay the shortfall following the sale of his property. He wants matters put right.backgroundMr B had a mortgage with Paratus, which had been taken out originally when Paratus had a different name. The prop... (2 pages)View decision -
Decision Reference DRN3819499
5 Feb 2016 HSBC Bank plc Not upheldBanking and creditMr G complains about the terms of a managed loan he took with HSBC Bank PLC (“HSBC”). He also complains that HSBC didn’t treat him fairly when he fell into financial difficulty.backgroundMr G consolidated debts from a current account, a loan and a credit card into ... (2 pages)View decision
