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 DRN-3794890
11 Nov 2022 Bennetts Motorcycling Services Limited Not upheldInsuranceDRN-3794890 The complaint Mr R complains about the fees charged by Bennetts Motorcycling Services Limited trading as Bennetts when he cancelled a motorcycle insurance policy. Mr R’s also unhappy that an outstanding debt related to these fees was passed to a debt collection agency, and the ... (3 pages)View decision -
Decision Reference DRN-2756468
21 Jul 2021 Gain Credit LLC Not upheldConsumer CreditDRN-2756468 The complaint Mr R complains that Gain Credit LLC (trading as Lending Stream) was irresponsible to lend to him. What happened Mr R took out a £450 loan with Lending Stream on 10 October 2017. It was due to be repaid with 6 monthly instalments, the highest of which was £198, wit... (3 pages)View decision -
Decision Reference DRN8404839
7 Feb 2019 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Mrs N doesn’t think it’s fair for Tesco Personal Finance Plc (Tesco) to use her payment protection insurance (PPI) compensation to reduce her outstanding debt.backgroundMrs N was sold PPI with a credit card. In 2018, Tesco upheld Mrs N’s complaint about the sale of the... (3 pages)View decision -
Decision Reference DRN-2691803
11 Nov 2021 Bamboo Limited UpheldConsumer CreditDRN-2691803 The complaint Mr S complains that Bamboo Limited trading as Bamboo Loans acted irresponsibly when it agreed loans for him. He’s represented in his complaint by a claims management company, but for ease, I’ll refer to Mr S only. What happened Mr S has had three loans with Bamboo... (5 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 -
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 DRN5671932
2 Sep 2014 Capital One (Europe) plc Not upheldBanking and creditcomplainMs T complains that Capital One (Europe) plc failed to meet its obligations to assist her when she was having financial difficulties. She wants a refund of all the interest and charges taken from her credit card account.Ms T is represented in her complaint by her daughter, Miss T... (2 pages)View decision -
Decision Reference DRN6998509
14 Feb 2017 National Westminster Bank Plc Not upheldBanking and creditMs W complains that after clearing her outstanding debts National Westminster Bank Plc didn’t close her account and this has negatively impacted on her credit record.background Ms W’s account was transferred to NatWest’s recoveries department in March 2011. She settle... (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
