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
-
Decision Reference DRN3928729
2 Mar 2020 Gain Credit LLC UpheldBanking and creditMr M complains about the service he received from Gain Credit LLC (trading as Lending Stream) after he told it he was in financial difficulties.backgroundMr M had one loan from Lending Stream on 1 May 2017 for £250. It was due to be repaid in six instalments, the largest of which was £106.... (3 pages)View decision -
Decision Reference DRN-2631634
2 Mar 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2631634 The complaint Ms W complains that Vanquis Bank Limited have mis-managed her credit card debt. What happened In 2019, Ms W couldn’t keep up with her payments and offered Vanquis affordable, reduced repayments instead. Ms W told Vanquis not to call her, but they didn’t pick up on... (3 pages)View decision -
Decision Reference DRN2314161
2 Sep 2016 Canada Square Operations Limited Not upheldBanking and creditMr B complains Canada Square Operations Limited (formerly known as Egg Banking PLC) wrongly calculated his outstanding debt before selling it on to a third party.backgroundMr B took a loan with Egg Banking in August 2003. His account was defaulted in April 2005. Mr B ... (2 pages)View decision -
Decision Reference DRN1328087
14 Dec 2017 Welcome Financial Services Limited Not upheldPayment protection insurance (PPI)Mr D has complained that Welcome Financial Services Limited (“Welcome”) has offset his payment protection insurance (“PPI”) refunds against an outstanding balance on his account. And he says Welcome didn’t make any attempt to contact him to try to resolve the matter at ... (2 pages)View decision -
Decision Reference DRN5186283
8 Aug 2013 Capital One (Europe) plc Not upheldBanking and creditMiss A complains that the charges applied to her credit card account between 2002 and 2005 are unfair. Miss A has explained that she was struggling with her finances and she feels that Capital One (Europe) plc did not respond sympathetically to her financial difficulties until after ... (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 DRN-3594094
12 Sep 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3594094 The complaint Mr D complained that Barclays Bank UK PLC (“Barclays”) didn’t send persistent debt letters and didn’t provide him with information he requested about his credit card account. What happened Mr D had a credit card with Barclays since around 2015. For some years he m... (3 pages)View decision -
Decision Reference DRN-4526693
28 Dec 2023 POLICY EXCESS INSURE LTD UpheldInsuranceDRN-4526693 The complaint Ms M has complained about POLICY EXCESS INSURE LTD (PEX). She isn’t happy that it auto renewed her roadside assistance policy and failed to cancel it upon request. What happened Ms M had a roadside assistance policy through PEX which it looked to auto renew in Jan... (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
