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 70898 results
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Decision Reference DRN0232013
8 Jul 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr P’s complaint is that Capital One (Europe) plc has used compensation from a mis-sold payment protection insurance (PPI) policy to reduce a debt it says he owes.backgroundMr P opened a credit card account with Capital One in October 2004. At the same time he was s... (7 pages)View decision -
Decision Reference DRN-2560417
11 Feb 2021 Union Reiseversicherung AG Not upheldInsuranceDRN-2560417 The complaint Ms A complains about the way Union Reiseversicherung AG (“URV”) handled a claim she made on her travel insurance policy. What happened Ms A took out a travel insurance policy underwritten by URV to cover a holiday to the USA. That holiday took place in March 2019,... (5 pages)View decision -
Decision Reference DRN-2895125
13 Jul 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2895125 The complaint Mr B complains that MBNA Limited (MBNA) sold his debt to a debt collection agency. What happened Mr B had a debt with MBNA. In March 2019 they sent him a notice of default. On 16 July 2019 they issued a final demand for payment. On 1 August 2019, MBNA defaulted Mr... (3 pages)View decision -
Decision Reference DRN1666603
28 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr R has complained about a financial management plan (the ‘plan’) he entered into with Harrington Brooks (Accountants) Limited. Mr R has been represented in bringing his complaint. But for clarity, I’ll refer to all submissions made on his behalf as having been made... (2 pages)View decision -
Decision Reference DRN1556519
30 Sep 2014 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs L make a number of complaints against National Westminster Bank Plc (“the bank”) in respect of its conduct concerning a repayment plan and collections activities. backgroundMr and Mrs L had a repayment plan with the bank. This was a 12-month agreement, and on its expiry the ba... (3 pages)View decision -
Decision Reference DRN4897956
29 Aug 2013 Tesco Personal Finance PLC UpheldBanking and creditMr G complains that Tesco Personal Finance plc, trading as Tesco Bank, has provided confusing and misleading information about his credit card account, which has caused him distress. our initial conclusionsThe adjudicator recommended that the complaint should be upheld in part. She c... (2 pages)View decision -
Decision Reference DRN1904069
7 Mar 2016 Ulster Bank Ltd Not upheldBanking and creditMr M says Ulster Bank Ltd treated him unfairly when it repossessed and sold his commercial properties then sold on the remaining debt. It didn’t accept his offers of settlement. backgroundMr M says he was approached by Ulster Bank and offered loans to deal in propert... (4 pages)View decision -
Decision Reference DRN-4535638
2 Feb 2024 Capital One (Europe) plc UpheldBanking and PaymentsDRN-4535638 The complaint Miss S complains about the service she received from Capital One (Europe) plc in relation to her persistent debt repayment plans. What happened Miss S entered into a persistent debt repayment plan in January 2021. Capital One said this was to support her in bringi... (5 pages)View decision -
Decision Reference DRN-1724302
23 Apr 2020 Paragon Finance Plc Not upheldConsumer CreditDRN-1724302The complaintMr B is unhappy Paragon Finance PLC (Paragon) are contacting him in pursuit of a debt it says he owes, despite it not having a copy of the credit agreement for the original borrowing. What happenedIn 1999 Mr B took out a hire purchase agreement for a vehicle. After ... (2 pages)View decision -
Decision Reference DRN-3845967
7 Dec 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3845967 The complaint Mrs M complains that Everyday Lending Limited trading as Everyday Loans was irresponsible in its lending to her. What happened Mrs M was provided with three loans by Everyday Loans between 2017 and 2020. She says at the time she had other borrowings showing her de... (3 pages)View decision
