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 71335 results
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Decision Reference DRN2605031
9 Nov 2015 Capital One (Europe) plc Not upheldBanking and creditMr E complains that Capital One (Europe) plc treated him unfairly. He says it behaved inflexibly and forced him into a position where he couldn’t meet its ever increasing demands for payment. It then defaulted his account and marked the default on his credit file. ... (2 pages)View decision -
Decision Reference DRN-4014432
13 Mar 2023 Bank of Scotland Plc Not upheldMortgagesDRN-4014432 The complaint Mr N has complained about a buy-to-let mortgage he held with Bank of Scotland plc (trading as Birmingham Midshires). What happened I won’t set out the full background to this complaint as it is extensive and goes back many years, but I can confirm that I have read... (2 pages)View decision -
Decision Reference DRN-5166609
18 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5166609 The complaint Mr S complains that Vanquis Bank Limited sold his account to a third party without notifying him. What happened Mr S says his Vanquis credit card account was sold to a debt collection company without him being notified. He says he had been recently hospitalise... (2 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 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-3804726
16 Nov 2022 Skrill Limited UpheldBanking and PaymentsDRN-3804726 The complaint Mr G complains about the service he received from Skrill Limited (“Skrill”) after he asked it to transfer some money. He says that Skrill is now pursuing him for a debt which he doesn’t owe and which has arisen because of a failing in Skrill’s transfer process. Wh... (3 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 DRN3334557
25 Jan 2017 Barclays Bank Plc UpheldBanking and creditMr K complains that Barclays Bank Plc unfairly recorded a default against his credit file. backgroundIn late 2015, Barclays told Mr K that it was going to withdraw his overdraft facility.Mr K agreed a repayment plan of £100 a month until a loan was set up to pay ... (2 pages)View decision -
Decision Reference DRN1098385
8 Aug 2014 Bank of Scotland Plc Not upheldBanking and creditMr S complains that Bank of Scotland Plc (trading as Halifax) unfairly stopped and closed his accounts without notice or proper explanation, causing him financial loss and significant inconvenience. background Mr S maintained accounts with Halifax. Halifax decided to close Mr S’s curren... (2 pages)View decision -
Decision Reference DRN5179413
19 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr D complains that Lloyds TSB Bank Plc did not remove a default notice from his credit file, after it had told him that it would update his file once he cleared the debt. He also complains that, if the bank had not mis-sold him payment protection insurance (PPI) for his loan, he wou... (2 pages)View decision
