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 DRN0629972
9 Feb 2018 Lowell Portfolio I Ltd Not upheldBanking and creditMs M doesn’t think Lowell Portfolio I Ltd (Lowell’s) should have registered a default on her account as she started paying it in January 2016. She thinks the default on her account is unfair and should be removed.backgroundMs M had an account with a third party, w... (1 page)View decision -
Decision Reference DRN9728816
5 Nov 2015 Valour Finance Limited Not upheldBanking and creditMr G complains that Valour Finance Limited didn’t properly administer his debt management plan.backgroundMr G set up a debt management plan with Valour to repay his debts. Towards the end of the plan Mr G asked Valour to increase his direct debit payment so that his ... (2 pages)View decision -
Decision Reference DRN6673704
4 Mar 2014 Provident Personal Credit Limited UpheldBanking and creditMiss B complains that Provident Personal Credit Limited is asking her to pay a debt that she says she settled several years ago. Miss B wants Provident to cancel the debt and remove the loan and adverse information from her credit records.backgroundMiss B took out a loan known as Home C... (2 pages)View decision -
Decision Reference DRN2156531
5 Nov 2013 Mars Capital Finance Limited Not upheldBanking and creditMiss D complains that following the possession and sale of her property by Mars Capital Finance Limited, it owes her money. She says that Mars Capital can only claim from her its actual loss and as it paid less for the mortgage debt than the amount outstanding, there is a balance ... (2 pages)View decision -
Decision Reference DRN5060791
26 Nov 2015 Ulster Bank Ltd Not upheldBanking and creditMr M complains that Ulster Bank Limited has acted unreasonably in refusing to continue a personal banking relationship with him. He wants it to reverse that decision.Mr M is represented in his complaint by Mr C.backgroundMr M was a director and guarantor of a com... (2 pages)View decision -
Decision Reference DRN1915779
30 Apr 2013 Santander UK Plc UpheldBanking and creditMiss K complains that S Santander UK Plc is pursuing her for a debt that is time barred and legally unenforceable.our initial conclusionsOur adjudicator partially upheld the complaint. He considered that Santander’s offer to refund £343.46 of charges, leaving a balance owing of £550.9... (2 pages)View decision -
Decision Reference DRN3457358
23 Sep 2013 Clarity Credit Management Solutions Limited UpheldBanking and creditMr P complains that Clarity Credit Management Solutions Limited contacted him about a debt that is not his. our initial conclusionsOur adjudicator recommended that the complaint be upheld in part. He felt that Clarity should have investigated whether the debt was genuinely owed by ... (2 pages)View decision -
Decision Reference DRN9429015
4 Dec 2014 Bank of Scotland Plc Not upheldBanking and creditMr B complains that due to the poor performance of an investment with the Bank of Scotland plc he has been unable to pay off his credit card debt. He also complains that most of the debt is made up of charges and interest.backgroundMr B made a separate complaint about the poor performa... (2 pages)View decision -
Decision Reference DRN8064006
9 Nov 2016 DJS (UK) Limited UpheldBanking and creditMiss M complains that DJS (UK) Limited (trading as Piggybank) gave her a loan she couldn’t afford to repay. She asks that it refunds interest and charges, with 8% interest, and removes the loan from her credit files. She also asks for compensation for the upset cau... (2 pages)View decision -
Decision Reference DRN-2961166
4 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2961166 The complaint Mr H complained that NewDay Ltd trading as Marbles lent him money that he couldn’t afford to repay. He wanted NewDay to refund all his payments, with 8% interest, and clear his credit file. What happened Mr H complained to NewDay that the lending it made to him wa... (2 pages)View decision
