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-3934051
14 Apr 2023 Novaloans Ltd Not upheldConsumer CreditDRN-3934051 The complaint Mrs B complains that Novaloans Ltd, trading as cash4unow, lent to her when she could not afford it. And afterwards the Novaloans representatives were harassing her with a lot of telephone calls about the debt. What happened Mrs B was approved for two loans with No... (10 pages)View decision -
Decision Reference DRN-4603503
6 Feb 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4603503 The complaint Mr B complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to him irresponsibly. What happened Mr B applied for a credit card from Tesco in February 2019, and it was agreed with a limit of £250. Mr B then asked for two increases in limit, ... (4 pages)View decision -
Decision Reference DRN-4220683
2 Nov 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4220683 The complaint Mr R complains Bank of Scotland plc trading as Halifax (Halifax) defaulted his credit card account without prior notice. What happened Mr R says Halifax defaulted his credit card without any prior notification. Mr R says he was experiencing financial problems due ... (3 pages)View decision -
Decision Reference DRN5360273
23 Jul 2014 Blue-Print Mortgages Ltd Not upheldBanking and creditThrough a claims management company, Mr and Mrs T complain that a mortgage arranged for them by Blue-Print Mortgages Ltd was unsuitable. In particular they say the advice to consolidate unsecured debts and to reduce the mortgage term was wrong in their circumstances.our initial ... (2 pages)View decision -
Decision Reference DRN-3555412
24 Jan 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3555412 The complaint Mr T has complained that Barclays Bank UK Plc, trading as Barclaycard, irresponsibly lent to him. What happened Mr T opened a credit card account with Barclaycard in October 2016 with an initial credit limit of £1,200. His credit limit was increased to £1,600 in F... (4 pages)View decision -
Decision Reference DRN-3194262
26 Jan 2022 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-3194262 The complaint Ms J complains that Volkswagen Financial Services (UK) Limited (“VWFS”) wrongly passed her details to two debt collection agencies. She says she doesn’t owe any money. What happened Ms J obtained a car using a hire agreement with VWFS in June 2019. She terminated ... (2 pages)View decision -
Decision Reference DRN-1126133
17 Apr 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-1126133The complaintMrs C complains that Barclays Bank UK Plc (T/A Barclaycard) sold her outstanding credit card balance to a third party. She’s also unhappy adverse credit information has been recorded on her credit file. What happenedIn January 2010 Mrs C applied for a Barclaycard on... (3 pages)View decision -
Decision Reference DRN0758028
11 Mar 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr H complains that Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited is asking him to pay a credit card debt for an account that was fraudulently opened in his name.backgroundMr H says that his late wife opened a credit card account in his name without his ... (2 pages)View decision -
Decision Reference DRN1482433
8 Nov 2013 Barclays Bank Plc Not upheldBanking and creditMr H complains that, after he received a final decision in his favour about Barclays Bank PLC pursuing him for a debt he did not owe, he continued to receive letters in relation to the debt. our initial conclusionsThe adjudicator said that whilst she appreciated that this matter... (2 pages)View decision -
Decision Reference DRN-3290888
15 Sep 2022 Union Reiseversicherung AG UpheldInsuranceDRN-3290888 The complaint Mr and Mrs B remain unhappy with the way Union Reiseversicherung AG (‘URV’) handled a claim made on their travel insurance policy. Any references to URV include its costs containment agents. What happened Mr and Mrs B had the benefit of a multi-trip travel insuran... (7 pages)View decision