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 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 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 DRN5423064
3 May 2013 Barclays Bank Plc Not upheldBanking and creditMr G complains that Barclays Bank Plc (“Barclays”) chased him to repay a debt he did not owe, causing him significant distress and inconvenience. Mr G asks that Barclays stops chasing him for the debt, corrects any negative information on his credit reference files and pays compen... (2 pages)View decision -
Decision Reference DRN0655798
4 Jul 2014 Hillesden Securities Limited Not upheldBanking and creditMs T complains that Hillesden Securities Limited (trading as Direct Legal & Collections) has not given her enough information to show that it purchased her loan.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He considered that t... (2 pages)View decision -
Decision Reference DRN-2501945
19 Nov 2021 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-2501945 The complaint Miss B complains about the steps AvantCredit of UK, LLC has taken in redressing her for a loan it shouldn’t have lent to her. What happened Miss B complained to Avantcredit about two high cost credit loans it sold to her. AvantCredit upheld her complaint about the... (2 pages)View decision -
Decision Reference DRN-2562330
3 Feb 2021 Hoist Finance UK Limited UpheldConsumer CreditDRN-2562330 The complaint Mr D has complained about Hoist Finance UK Limited defaulting his account. What happened In 2016, Hoist purchased a credit card debt of Mr D’s. He had a payment arrangement in place, and used a debt management company. In April 2019, Mr D’s debt management company... (4 pages)View decision -
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 DRN1991448
6 Apr 2017 National Westminster Bank Plc UpheldBanking and creditMrs R complains that National Westminster Bank Plc did not properly deal with her joint account access.background Mrs R and another party held a joint account with the bank. Mrs R also held a sole account in her own name.Mrs R says she attended a branch of the bank ... (2 pages)View decision
