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 77331 results
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Decision Reference DRN0890807
25 Jul 2019 Barclays Bank UK PLC UpheldBanking and creditMrs U complains about the interest charges on her Barclays Bank UK PLC (trading as Barclaycard) account.backgroundMrs U received an email from Barclaycard suggesting she increase her monthly payment. But she couldn’t afford to. So she asked if Barclaycard would freeze the interest for a sh... (3 pages)View decision -
Decision Reference DRN-2743606
23 Apr 2021 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-2743606 The complaint Ms D complains Tesco Personal Finance plc (Tesco) have asked for financial information, already provided to them, before they will consider the repayment of her credit card account with them. What happened Mr J has complained to this service on behalf of Ms D and ... (3 pages)View decision -
Decision Reference DRN-3581811
23 Aug 2022 Moneyplus Group Limited Not upheldConsumer CreditDRN-3581811 The complaint Ms B complains she’s paid more on her debt management plan with MoneyPlus Group Limited than she actually owed at the beginning of the plan 17 years ago. What happened Ms B says she’s paid off more than her debts were, so thinks there shouldn’t be anything outstan... (3 pages)View decision -
Decision Reference DRN-6078259
11 Feb 2026 The Enterprise Fund Limited Not upheldConsumer CreditDRN-6078259 The complaint Mr N complains that The Enterprise Fund Limited “The Enterprise Fund” didn’t accept a bill of exchange as a means of paying the balance on his loan. What happened Aside from setting out Mr N’s complaint, I won’t repeat the facts of the case here, as those aren... (3 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 DRN8449676
17 Jul 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains about the advice given by The Royal Bank of Scotland Plc (“RBS”) concerning the repayment of his debt and closure of his current account.backgroundMr M has a current account provided by RBS. The account has an agreed overdraft facility of £1,000. Over... (2 pages)View decision -
Decision Reference DRN-4142503
2 Jun 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4142503 The complaint Mr J complained that Barclays Bank UK PLC (trading as Barclaycard) increased his monthly minimum credit card payment without his consent and without warning him. He is also unhappy with the way it has handled his complaint. What happened In March 2021, Mr J took a... (4 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 DRN3736130
5 Jul 2018 HSBC Bank plc Not upheldBanking and creditMr U1 has complained that HSBC Bank Plc appointed a Law of Property Act (LPA) receiver when he had a buyer in place.Mr U2, his brother, represents him under a power of attorney. However, to make this decision easier to read, I will refer only to Mr U1.backgro... (3 pages)View decision -
Decision Reference DRN1074772
31 Jan 2017 Baines & Ernst Limited Not upheldBanking and creditMrs G is unhappy about the sale and management of a debt management plan (“DMP”) by Baines & Ernst Limited.backgroundMrs G’s representative says Baines & Ernst mis-sold her a DMP. It says Baines & Ernst didn’t give her certain information when it should’ve. ... (2 pages)View decision