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 70502 results
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Decision Reference DRN-2527880
14 Apr 2021 Oplo HL Ltd Not upheldMortgagesDRN-2527880 The complaint Mr and Mrs I complain that OPLO HL Ltd trading as 1st Stop Secured Loans sold them a product with too high an interest rate and they didn’t understand the implications of that. The lender didn’t properly consider their expenditure including childcare costs. What ... (2 pages)View decision -
Decision Reference DRN-1135060
28 Nov 2019 Lloyds Bank PLC Not upheldBanking and PaymentsThe complaint Mr S complains about the way Lloyds Bank PLC (“Lloyds”) has registered information with credit reference agencies (“CRAs”) about debts to Lloyds that were administered under a debt administration scheme (“DAS”). What happened Mr S had three accounts with Lloyds - a current ac... (3 pages)View decision -
Decision Reference DRN3891806
20 Feb 2015 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mrs A’s complaint is about how National Westminster Bank Plc (Nat West) used the compensation it offered for her complaint about two mis-sold payment protection insurance (PPI) policies. Mrs A wants Nat West to pay all the compensation directly to her.backgroundMrs A complained to Nat We... (4 pages)View decision -
Decision Reference DRN9959419
16 Oct 2015 HSBC Bank plc UpheldBanking and creditMrs P complains that HSBC Bank plc treated her unfairly when she tried to pay off an overdraft debt.background In 2007 Mrs P held an account which had an overdraft. HSBC gave Mrs P notice that it was going to remove the overdraft facility, which it did in October 2007.... (2 pages)View decision -
Decision Reference DRN-2576595
23 Apr 2021 Dudley Building Society Not upheldMortgagesDRN-2576595 The complaint Miss B complains that Dudley Building Society won’t waive the early repayment charge (“ERC”) that she will have to pay when she sells her property. Miss B would like Dudley to waive the ERC. What happened Miss B owned a property with her mother’s ex-partner. She t... (2 pages)View decision -
Decision Reference DRN8045788
14 Oct 2014 Bournes Limited UpheldBanking and creditMr and Mrs R complain about a debt management plan they entered into with Bournes Limited. They are unhappy that the payments they made to Bournes were kept to pay its fees rather than being passed on to their respective creditors. backgroundThe adjudicator who considered the complai... (2 pages)View decision -
Decision Reference DRN4906759
16 Apr 2021 Cabot Credit Management Group Limited Not upheldBanking and creditMr R has complained about the way in which Cabot Credit Management Group Limited (‘Cabot’) has sought to recover payment from him in relation to a debt it purchased. background Cabot bought a credit card debt that belonged to Mr R in October 2017. The outstanding debt was around £3,000. Mr... (6 pages)View decision -
Decision Reference DRN1931460
5 Sep 2016 Casheuronet UK LLC Not upheldBanking and creditMr C complains that Casheuronet UK LLC (trading as Pounds to Pocket) gave him loans he couldn’t afford to repay.backgroundMr C took out two instalment loans with Pounds to Pocket in January 2013 and June 2015. Both were topped up. He says he relied on payday loans to ... (2 pages)View decision -
Decision Reference DRN4188555
20 Dec 2016 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc is chasing him for a credit card debt which he says is nothing to do with him. He wants the bank to stop trying to recover the money and pay compensation for the upset this has caused.backgroundIn 2013, Mr M repaid the full out... (2 pages)View decision -
Decision Reference DRN6323022
19 Nov 2014 Bank of Scotland Plc Not upheldBanking and creditMr W complains about the way Bank of Scotland plc (trading as Halifax) dealt with his account balance when he switched banks, including asking him to pay a debt he had already addressed and registering adverse credit information.background Mr W held a current account with Halifax. He dec... (2 pages)View decision
