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 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 DRN-2940109
23 Jul 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2940109 The complaint Mr G complains that Bank of Scotland (trading as Halifax) sent him a letter regarding persistent debt. He’s also unhappy that Halifax didn’t respond in a timely manner to his data subject access request (DSAR) and that it referred to his concerns as feedback. What... (4 pages)View decision -
Decision Reference DRN0104963
22 Mar 2017 Ulster Bank Ltd Not upheldBanking and creditMr L complains that Ulster Bank Ltd refused to accept an offer of £21,000 in full and final settlement of a debt he has with them. He is also unhappy that they haven’t provided him with the original loan agreement and he questions the validity of charges Ulster ... (2 pages)View decision -
Decision Reference DRN2457885
9 May 2017 Paragon Finance Plc Not upheldBanking and creditMr C complains Paragon Finance PLC trading as Moorgate Loan Servicing (“Moorgate”) are reporting incorrect information for his account to Credit Reference Agencies (CRA’s).backgroundIn September 2012 Moorgate bought Mr C’s account from another bank. That account, whilst w... (2 pages)View decision -
Decision Reference DRN8959550
24 Sep 2014 Arrow Global Limited Not upheldBanking and creditMr N complains that Arrow Global Limited is pursuing him for a debt on a credit card account that is not his.Further, he complains that, in any event, Arrow has not shown it owns the debt.our initial conclusions Our adjudicator did not consider that the complaint should be upheld. She wa... (1 page)View decision -
Decision Reference DRN4217465
29 Mar 2016 Fairstone Financial Management (City) Limited Not upheldBanking and creditMs M through her solicitors AA complains that Fairstone Financial Management (City) Limited gave her negligent advice and mis-sold her a mortgage. She wants compensation.backgroundMs M wanted to re-mortgage to reduce her monthly payments and took advice from Fairstone.... (2 pages)View decision -
Decision Reference DRN4857342
13 Feb 2020 Arrow Global Limited Not upheldBanking and creditComplaintMiss L has complained that Arrow Global Limited chased her for a debt she didn’t owe and registered a county court judgment against her.BackgroundArrow bought an overdraft debt from a bank in March 2014. The debt was in Miss L’s name. Arrow passed it to a debt collection agent. Wh... (3 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 DRN4072944
15 Jul 2019 Bank of Scotland Plc Not upheldBanking and creditBank of Scotland plc sold Mr E’s account to a debt collection agency. It later told him it had sent the wrong figure, but it had put it right. Mr E is complaining because he wants:-more compensation than Bank of Scotland has given him, and -the details changed on his County Court Judgmen... (3 pages)View decision -
Decision Reference DRN9430779
26 Mar 2020 Paragon Finance Plc Not upheldBanking and creditMiss J complains via her professional representative that Paragon Finance PLC, trading as Idem Servicing (Idem) have incorrectly reported late payment markers to her credit file.BackgroundMiss J had a credit card account with her bank. Miss J’s circumstances changed, and she began to strug... (3 pages)View decision