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 71155 results
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Decision Reference DRN8282286
6 Nov 2013 Bank Of Scotland Equipment Finance Limited Not upheldBanking and creditMs S says Bank of Scotland Equipment Finance Limited is wrongly asking her to repay an outstanding balance from a hire agreement she took out for her business. Ms S holdsBank of Scotland responsible for misleading information she says she was given by the broker of the credit, and the... (3 pages)View decision -
Decision Reference DRN1947528
16 Feb 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs R complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundIn 2007 L & G recommended that Mr and Mrs R remortgage with another lender. In doing so they paid an early repayment ch... (3 pages)View decision -
Decision Reference DRN6874065
30 Sep 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr E and Mr R complain that The Royal Bank of Scotland plc (RBS) provided poor customer service when their business ceased trading and it has since closed their personal accounts.background Mr E and Mr R’s former limited company ceased to trade in early 2012 and there was an outstanding ... (2 pages)View decision -
Decision Reference DRN-5098265
2 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5098265 Complaint Mr A has complained about credit cards and the associated credit limit increases which NewDay Ltd (“NewDay”) provided to him. He says the credit cards as well as the limit increases were irresponsibly provided. Background NewDay provided Mr A with two credit cards... (6 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 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 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 DRN-3198236
9 Dec 2021 UK Credit Limited UpheldConsumer CreditDRN-3198236 The complaint Mr K complains that UK Credit Limited lent to him irresponsibly without doing sufficient affordability checks or properly assessing signs of over indebtedness. What happened Mr K was given a single loan by UK Credit. Mr K told UK Credit that he would use the loan ... (5 pages)View decision -
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 DRN6820762
13 Nov 2017 Bank of Ireland (UK) Plc Not upheldBanking and creditThe executor of the late Mrs C complains that Bank of Ireland (UK) Plc trading as Post Office Money (POM) increased Mrs C’s credit card limit without carrying out a proper financial assessment and that the new limit was unaffordable.background Mrs C took out a credit ... (3 pages)View decision
