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 71000 results
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Decision Reference DRN4345428
26 Sep 2014 MBNA Limited Not upheldBanking and creditMr N makes a number of complaints about the way in which MBNA Limited managed his credit card account in 2008 and 2009. In particular he says MBNA: Hasn’t provide him with a signed copy of its agreement with him; Imposed excessive charges and interest; Sold the debt on his card to ... (3 pages)View decision -
Decision Reference DRN7777965
20 Jun 2014 American Express Services Europe Limited Not upheldBanking and creditMr G complains that American Express Services Europe Limited has appointed an overseas debt collection agency, resulting in higher postage costs. Mr G asks that American Express appoint a UK based debt collection agency.backgroundMr G is repaying his credit card account under repayment pl... (1 page)View decision -
Decision Reference DRN-1267072
19 Nov 2020 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-1267072 The complaint Mr G complains that Cabot Credit Management Group Limited is chasing him for a credit card debt that doesn’t belong to him. What happened In early 2019 Mr G received several letters from Cabot to say it had been assigned Mr G’s credit card debt from a credit card ... (3 pages)View decision -
Decision Reference DRN0780019
9 May 2013 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs L complain that information Halifax holds, relating to a debt Mr L once had, is unfairly affecting the bank’s decisions to lend them money.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. She was satisfied the bank was ab... (2 pages)View decision -
Decision Reference DRN6678987
3 May 2017 PayPal Sarl & Cie, SCA Not upheldBanking and creditMr P complains about the service he received from PayPal Sarl & Cie, SCA.backgroundMr P sold an item on an online classified and community website. The payment for the item was received into his PayPal account. But the account holder subsequently asked for a return... (2 pages)View decision -
Decision Reference DRN8722996
11 Jul 2013 HSBC Bank plc Not upheldBanking and creditMiss L complains that she has not been treated fairly by HSBC Bank Plc when it dealt with her and lent her money.background Miss L says that HSBC lent her money irresponsibly, loans were unaffordable and about how she was treated when she experienced financial difficulty. HSBC has off... (2 pages)View decision -
Decision Reference DRN8408767
14 Jan 2020 Lloyds Bank PLC Not upheldBanking and creditMr M’s complaint relates to a Lloyds Bank plc classic current account that was held jointlywith his ex-wife who, for the purposes of this decision, I will refer to as Mrs M.Mr M complains Lloyds has not acted fairly towards him because it took his ex-wife’sinstructions in relation to the c... (4 pages)View decision -
Decision Reference DRN4585167
28 Aug 2014 Lloyds Bank PLC Not upheldBanking and creditMr C complains that Lloyds Bank PLC is holding him responsible for a debt he says is not his. Mr C wants Lloyds to quash the debt and remove information about the default on the account from his credit record.backgroundThe details of this case are well-known to Mr C so I do not rep... (2 pages)View decision -
Decision Reference DRN4387301
2 May 2014 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a mortgage account Ms G held with Bank of Scotland plc trading as Halifax. The mortgaged property has been re-possessed, and sold to repay the mortgage debt. Ms G is unhappy about this, and about Halifax writing to pursue what it says is a shortfall debt followi... (2 pages)View decision -
Decision Reference DRN5367079
26 Nov 2015 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP continued to contact him for repayment of a debt which was in dispute and when it had told him it would suspend its collection activities.backgroundMKDP bought the debt from a third party. Mr H brought a complaint about the administration... (1 page)View decision
