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
-
Decision Reference DRN0453042
17 Jul 2019 Vanquis Bank Limited UpheldBanking and creditMrs W complains that information Vanquis Bank Limited recorded on her credit file is incorrect and hasn’t been removed. background Mrs W opened a Vanquis credit card in November 2011. In October 2012 she entered a debt management plan through a debt charity and Vanquis accepted £5 per mont... (3 pages)View decision -
Decision Reference DRN8107688
25 Aug 2015 Clydesdale Bank Plc Not upheldBanking and creditMr B complains that Clydesdale Bank Plc is unfairly requiring that his interest only mortgage facility changes to capital and interest payments. He asks that it honours the original terms and conditions.backgroundMr B says he agreed an interest only mortgage facility wit... (2 pages)View decision -
Decision Reference DRN6671391
12 Nov 2013 National Westminster Bank Plc Not upheldBanking and creditMr M complains that National Westminster Bank Plc did not assist him during a period of financial difficulty. backgroundMr M was in financial difficulties and there were ongoing exchanges with the bank. He says that on several occasions, he asked NatWest to assist him. The bank asked Mr ... (2 pages)View decision -
Decision Reference DRN4138099
6 May 2015 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP is wrongly pursuing him in respect of a debt that was owed by his previous limited company (since dissolved) and not by him.backgroundMr H says that he applied for a credit card, following an approach by salespeople in a public area. He s... (2 pages)View decision -
Decision Reference DRN5187159
25 Sep 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr M complains that The Royal Bank of Scotland plc used a refund of his legal fees to reduce the outstanding balance on a debt. He thinks he should get the refund.our initial conclusionsOur adjudicator partially upheld the complaint. She found RBS was right to offset the money... (2 pages)View decision -
Decision Reference DRN2679142
15 Nov 2019 Bank of Scotland Plc UpheldBanking and creditMr K’s complaint is about a debt he was being chased for that related to someone else. Mr K says Bank of Scotland’s actions caused him loss. background Bank of Scotland were chasing a debt which they thought belonged to Mr K. The debt was in fact against someone else who had the same name ... (2 pages)View decision -
Decision Reference DRN-3493347
24 May 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3493347 The complaint Mr L complains through his representative that AvantCredit of UK, LLC lent him money on a high cost loan which he was unable to afford to repay. What happened AvantCredit provided Mr L with a loan of £5,600 on 19 May 2016 to be repaid over 60 months at the rate of... (4 pages)View decision -
Decision Reference DRN-3350192
25 Mar 2022 Nationwide Building Society UpheldBanking and PaymentsDRN-3350192 The complaint Mr C complained that Nationwide Building Society hadn’t offered him enough compensation for default markers against his name. What happened In 2014 Mr C was making frequent, often weekly, payments ranging from £180 to £370 to a vehicle hire firm. The last was on ... (2 pages)View decision -
Decision Reference DRN7046630
19 Feb 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr R says Capital One (Europe) plc mis-sold him payment protection insurance (PPI).backgroundIn September 2001 Mr R took out a credit card with Capital One. At the same time it sold him payment protection insurance. In August 2015, Capital One upheld Mr R’s complai... (2 pages)View decision -
Decision Reference DRN8525590
16 Sep 2016 Debt Management Associates Limited Not upheldBanking and creditMr G and his representative are unhappy about the advice he was given by Debt Management Associates Limited (trading as Money Village) to enter into a debt management plan. They say it wasn’t the appropriate solution for his situation. He’d have been better with a de... (2 pages)View decision
