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 70772 results
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Decision Reference DRN-2529589
12 Feb 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2529589 The complaint Mr B complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) treated him badly when he was in financial difficulty. What happened Mr B had a Barclaycard since 2002. By 2016, his finances were stretched. In October 2016, the direct debit to Barclay... (3 pages)View decision -
Decision Reference DRN2378638
1 Aug 2017 Everyday Loans Limited Not upheldBanking and creditMrs N complains that two loans she took out with Everyday Loans Limited were unaffordable.backgroundIn June 2011 Mrs N took out a loan with Everyday Loans for £3000 to consolidate other debts. In August 2012 she took out a further loan for £6000 which consolidated he... (2 pages)View decision -
Decision Reference DRN-4381438
1 Dec 2023 Shawbrook Bank Limited Not upheldConsumer CreditDRN-4381438 The complaint Mrs N complains that Shawbrook Bank Limited was irresponsible in its lending to her. What happened Mrs N says that she only recently realised that lenders were required to carry out checks to ensure she could afford the repayments without taking on further debt. S... (2 pages)View decision -
Decision Reference DRN1794449
20 Nov 2013 Barclays Bank Plc Not upheldBanking and creditMr and Mrs E complain that Barclays Bank Plc has misled them concerning options for settlement of their debt and has provided a very poor service. They want the bank to honour the settlement offer it made.background Mr and Mrs E had a business which involved the rental and operation ... (2 pages)View decision -
Decision Reference DRN0451395
23 Apr 2015 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)Mrs P’s complaint concerns a loan and an associated payment protection insurance (PPI) policy taken with National Westminster Bank Plc. She’s unhappy that NatWest applied PPI mis-sale redress to the arrears on her loan account. our initial conclusionsOur adjudicator did n... (2 pages)View decision -
Decision Reference DRN2211913
14 Feb 2017 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr B is complaining that The Royal Bank of Scotland Plc (RBS) has used the compensation it offered for the mis-selling of a payment protection insurance (PPI) policy, attached to a loan, to reduce the outstanding debt on that loan account.backgroundMr B took out a loa... (4 pages)View decision -
Decision Reference DRN9410539
28 May 2014 Microcredit Limited UpheldBanking and creditMr A complains about how Microcredit Limited (trading as MiniCredit.co.uk) has responded to his financial difficulties.backgroundMr A took out a loan with Microcredit. A few days later he contacted it to say that he would not be able to afford to repay the loan. He asked Microcredit if... (3 pages)View decision -
Decision Reference DRN-2258803
11 May 2021 National Westminster Bank Plc Not upheldInsuranceDRN-2258803 The complaint Mr E has complained about the way National Westminster Bank PLC (“NatWest”) has used the compensation it offered to settle his complaint about the mis-sale of payment protection insurance (“PPI”) policies associated with some loans that he took out. What happened ... (3 pages)View decision -
Decision Reference DRN9838947
3 Oct 2014 Lloyds Bank PLC Not upheldBanking and creditMrs K complains that she was mis-sold a loan by Lloyds Bank PLC and that it passed the debt to its debt collection arm.backgroundMrs K took out a loan for some £13,000 in 2000 which was used to pay off existing debts. She was unable to make the required monthly payments and fell into ar... (2 pages)View decision -
Decision Reference DRN9762249
15 Nov 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B through their solicitor B complain that A, an appointed representative of Legal & General Partnership Services Limited (“L&G”), mis-sold an unsuitable mortgage in 2006. They want compensation.backgroundIn 2006, Mr and Mrs B were advised about a rem... (2 pages)View decision
