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 DRN2590538
15 May 2018 Bank of Scotland Plc UpheldBanking and creditMr H says that Bank of Scotland plc (trading as Halifax) cashed a cheque he sent in final settlement of his credit card debt and should therefore write off the outstanding debt.background Mr H has a credit card with Halifax with a debt of around £6,500. He had been... (2 pages)View decision -
Decision Reference DRN-3027679
4 Oct 2021 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3027679 The complaint Mr B is unhappy that Lloyds Bank PLC sent him a letter advising that his account is considered as being in a state of persistent debt. What happened Mr B received a letter from Lloyds which stated that his account was considered as being in a state of persistent d... (2 pages)View decision -
Decision Reference DRN-3189724
31 Jan 2022 Experian Limited Not upheldConsumer CreditDRN-3189724 The complaint Mr K has complained about Experian Limited suggesting his address to debt collectors when they were tracing someone. What happened Both parties are most familiar with what happened, so I will summarise things in brief. This complaint revolves around a utility bill... (2 pages)View decision -
Decision Reference DRN-3822310
20 Feb 2023 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-3822310 The complaint Mr H has complained about The Royal Bank of Scotland Plc (RBS) using redress from a mis-sold payment protection insurance (PPI) policy to repay a debt, on the basis that the debt was written off in a sequestration. What happened Mr H, in his capacity as a sole tra... (3 pages)View decision -
Decision Reference DRN6641753
26 Apr 2013 National Westminster Bank Plc Not upheldBanking and creditMr D wants National Westminster Bank plc to confirm that he does not owe money, on the basis of the Limitation Act 1980 and the fact that he says he has not used the current account for more than six years. our initial conclusionsOur adjudicator did not recommend that this c... (2 pages)View decision -
Decision Reference DRN1510732
26 May 2017 Barclays Bank Plc Not upheldBanking and creditMiss B complains that Barclays Bank Plc (trading as Barclaycard) did not follow the lending code and acted irresponsibly when they accepted her application for a credit card as she was in financial difficulties. She wants Barclaycard to cancel her credit card and clear ... (2 pages)View decision -
Decision Reference DRN7871304
9 Mar 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr E complains he was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.background Mr E had an interest only mortgage backed by an investment vehicle. Acting on the advice of L&G, he re-mortgaged to another lender, converting to repa... (2 pages)View decision -
Decision Reference DRN8735441
23 Dec 2014 HSBC Bank plc Not upheldBanking and creditMr J complains that a debt HSBC Bank Plc is pursuing him for is unenforceable and its solicitors have illegally placed a payment diversion on payments made.background The details of this long-running case are well-known to Mr J so I do not repeat them here. Nor do I detail the extensive d... (2 pages)View decision -
Decision Reference DRN5612792
4 Jan 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMs R complains Lowell Financial Ltd (“Lowell”) incorrectly registered information on her credit file. She’s also unhappy it won’t send her the information she asked for free of charge.backgroundMs R has been in dispute with Lowell for a number of years. It bought a nu... (2 pages)View decision -
Decision Reference DRN6960034
6 Nov 2020 Shop Direct Finance Company Limited UpheldBanking and creditMiss S complains that Shop Direct Finance Company Limited (“SDFC”) unfairly defaulted a catalogue shopping account in November 2017. background Miss S opened a catalogue shopping account with SDFC in March 2001. Miss S says that she was able to afford the credit and operated her account we... (3 pages)View decision
