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 DRN5473539
14 Aug 2014 HSBC Bank plc Not upheldBanking and creditMrs A has dissolved a former business partnership and complains that HSBC Bank Plc is still pursuing her for repayment of all partnership borrowing. backgroundIn April 2013 Mrs A told her business partner that she wanted to dissolve their partnership and a deed was signed to do this, ba... (2 pages)View decision -
Decision Reference DRN0819346
27 Feb 2019 Creation Consumer Finance Ltd UpheldBanking and creditMrs E complains that Creation Consumer Finance Ltd (Creation) treated her unfairly when she experienced financial difficulties.backgroundMrs E had a finance agreement with Creation which she took in 2011. The agreement was for 48 months with 42 payments of £35.73 after ... (3 pages)View decision -
Decision Reference DRN6949280
11 Jul 2013 Vanquis Bank Limited UpheldBanking and creditMrs R complains about Vanquis Bank Limited’s behaviour relating to chasing overdue amounts on her credit card account - in particular, calling her at work after she asked it not to do so.backgroundMrs R was in arrears on her credit card account and Vanquis Bank contacted her repeatedly... (2 pages)View decision -
Decision Reference DRN-3046887
14 Sep 2021 PRA Group (UK) Limited Not upheldConsumer CreditDRN-3046887 The complaint Mr F has complained about PRA Group (UK) Limited pursuing him for a debt. What happened This complaint is about an overdraft debt which defaulted in 2014, then was sold from the original creditor (“L”) to PRA Group in 2017. At the time, another company – “W” – was... (3 pages)View decision -
Decision Reference DRN1370000
9 Nov 2016 Paragon Finance Plc Not upheldBanking and creditMr S complains that Paragon Finance PLC (trading as Moorgate Loan Servicing) isn’t reporting his account correctly. He says it should be reported with its original credit limit. He wants his credit file amended. backgroundMoorgate said in its final response that when t... (2 pages)View decision -
Decision Reference DRN4627759
19 Feb 2014 National Westminster Bank Plc Not upheldBanking and creditMr B complains that National Westminster Bank Plc has unfairly registered a default on his credit record. He says that the bank refused his proposals to repay his debt over time and this has led to a much greater financial loss for him. Mr B wants the bank to remove the default and com... (2 pages)View decision -
Decision Reference DRN8664270
10 Jul 2014 Black Horse Limited Not upheldBanking and creditMr and Mrs M complain that Black Horse Limited mis-sold them a personal loan.backgroundMr and Mrs M say their loan from Black Horse was mis-sold because (a) Mrs M’s mental capacity was affected by a serious health condition and (b) it was not affordable. The adjudicator did not recommend... (1 page)View decision -
Decision Reference DRN1179523
12 Jan 2015 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr K’s complaint concerns a credit card and an associated payment protection insurance (PPI) policy taken with Barclays Bank Plc. He is unhappy with; the length of time it took Barclays to provide a PPI claim form; the loss of a PPI claim form and medical details; Barclays’ failure t... (4 pages)View decision -
Decision Reference DRN-3064550
14 Oct 2021 Admiral Financial Services Ltd Not upheldConsumer CreditDRN-3064550 The complaint Mr A complains Admiral Financial Services Limited shouldn’t have offered him a personal loan as it wasn’t affordable for him. Mr A is represented in this complaint by his wife, but to keep things simple I’ll only refer to Mr A. What happened In April 2018, Mr A ap... (3 pages)View decision -
Decision Reference DRN-5111115
17 Dec 2024 Barclays Bank UK PLC Not upheldMortgagesDRN-5111115 The complaint Mr and Mrs T complain that Barclays Bank PLC (“Barclays”) is chasing them for a mortgage debt they were previously told had been repaid. What happened Mrs T says she and Mr T had a mortgage (I’ll refer to that as the “first mortgage”) with Barclays in relation ... (3 pages)View decision
