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-4440454
7 Nov 2023 TSB Bank plc UpheldBanking and PaymentsDRN-4440454 The complaint Miss B complains that TSB Bank plc shouldn’t have defaulted her current account as she had maintained regular repayment plans through a debt management plan. What happened In late August 2018, Miss B entered into a repayment plan with TSB to clear the outstanding ... (3 pages)View decision -
Decision Reference DRN8966820
7 Aug 2014 Capital One (Europe) plc UpheldBanking and creditMs U complains through a relative about charges applied to her credit card by Capital One (Europe) plc. She would like it to refund the difference between the payments she made and the debt, pay compensation for mis-sold payment protection insurance (PPI), cancel the debt and remove it f... (4 pages)View decision -
Decision Reference DRN-4430684
14 Nov 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4430684 The complaint Miss A complains that Barclays Bank UK PLC (Barclays) hasn’t communicated with her about a debt it says has been outstanding since 2014, leaving her facing unexpected financial consequences. What happened Miss A opened a student account with Barclays in July 2006.... (3 pages)View decision -
Decision Reference DRN0952468
28 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr V complains that NEO Media Solutions Limited (trading as One Debt Solution): has not done what it promised when he entered into a debt management agreement with it; has not passed on to his creditors the money he paid it; and has refused to refund to him what he has paid it.back... (2 pages)View decision -
Decision Reference DRN2411254
12 Mar 2014 Black Horse Limited UpheldPayment protection insurance (PPI)Mr and Mrs A’s complaint is about the amount of compensation they should receive from Black Horse Limited (“Black Horse”). Mr and Mrs A believe they should receive all of the redress payable directly to them.backgroundMr and Mrs A took out single premium PPI alongside a fixed sum loan in... (2 pages)View decision -
Decision Reference DRN6313653
29 Aug 2013 Santander Cards UK Limited Not upheldBanking and creditMrs H is unhappy that Santander Cards UK Limited will not remove the County Court Judgement (CCJ) against her, despite a promise from its debt recovery agent that it would do so.our initial conclusionsThe adjudicator did not recommend that the complaint be upheld. He concluded ... (2 pages)View decision -
Decision Reference DRN3678002
11 Apr 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Miss J has complained that HSBC Bank Plc mis-sold her a payment protection insurance (PPI) policy. backgroundIn January 2003 Miss J took out a credit card with HSBC. She was sold a PPI policy at the same time. HSBC upheld Miss J’s mis-sale complaint and offered £1,436.... (2 pages)View decision -
Decision Reference DRN1350628
17 Nov 2016 Debt Management Associates Limited Not upheldBanking and creditMiss H complains that Debt Management Associates Limited, trading as Money Village, sold her a debt management plan that wasn’t appropriate for her and it didn’t manage the plan properly. She says she’d have been better off going bankrupt.backgroundMiss H started... (2 pages)View decision -
Decision Reference DRN9452119
22 May 2014 HFC Bank Limited Not upheldBanking and creditMr D says HFC Bank Limited unfairly applied charges to his credit card account with it. He is concerned about its response to him during a period of illness and financial difficulty. In particular, he complains about a collection charge it added to the debt. backgroundMr D became ser... (2 pages)View decision -
Decision Reference DRN8380058
15 Dec 2015 Lloyds Bank PLC Not upheldBanking and creditMr O has complained about irresponsible lending by Lloyds Bank PLC (Lloyds).backgroundIn 2005, Mr O opened an account with Lloyds. It offered him a credit card with a limit of £500, which he accepted. His spending on the credit card then exceeded the limit and he ran ... (2 pages)View decision
