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 71523 results
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Decision Reference DRN2289567
30 Oct 2015 Wescot Credit Services Limited Not upheldBanking and creditMr P complains that Wescot Credit Services Limited has been harassing him about a debt to an insurance company which he does not believe he owes.our initial conclusionsOur adjudicator did not recommend that the complaint was upheld. He was satisfied Wescot had acted fairly and tri... (2 pages)View decision -
Decision Reference DRN3216426
3 Aug 2017 Santander UK Plc Not upheldBanking and creditMr H complains about how Santander UK Plc treated his mortgage account when it paid outstanding service charges to the freeholder of his leasehold property.backgroundMr H has had a mortgage with Santander for many years. His mortgage is secured over a leasehold property.... (2 pages)View decision -
Decision Reference DRN2218711
3 Dec 2015 Quinn & Co Debt Management Limited UpheldBanking and creditMrs C and Mr H have complained about how Quinn & Co Debt Management Limited managed their debt management plan.backgroundMrs C and Mr H entered into a debt management plan with Quinn. Over 14 months, they paid £7,000 into the plan. After fees, Quinn was supposed ... (1 page)View decision -
Decision Reference DRN4502950
8 Aug 2013 Black Horse Limited Not upheldBanking and creditMr H complains that Black Horse Limited added unfair charges to his hire purchase agreement and did not treat him fairly when he was made redundant. backgroundMr H bought a used van via a hire purchase agreement with Black Horse in May 2007. He made his monthly repayments until June 2008... (1 page)View decision -
Decision Reference DRN8021276
15 Apr 2016 arvato Financial Solutions Limited UpheldBanking and creditMr D complains that Arvato Financial Solutions Limited (“CSL”) has not treated him fairly in that it incorrectly sent correspondence including personal and financial information to a third party, in breach of his privacy. He says this caused him distress and inconvenie... (2 pages)View decision -
Decision Reference DRN-2617692
8 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2617692 The complaint Ms M is unhappy that Vanquis Bank Limited didn’t record a default against her account when her account was in arrears and had entered a debt management plan in 2014. What happened Ms M had a credit account with Vanquis. In 2014, Ms M encountered financial difficul... (2 pages)View decision -
Decision Reference DRN-3396279
7 Jun 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3396279 The complaint Mr Z complains that Barclays Bank UK PLC trading as Barclaycard hasn’t paid an interest refund to him. What happened Mr Z says he received a letter from Barclaycard telling him that it had miscalculated interest and that he was due a refund. He says the refund was... (2 pages)View decision -
Decision Reference DRN5503458
17 Feb 2015 National Westminster Bank Plc Not upheldBanking and creditMr S complains that National Westminster Bank Plc will not mark his debt as settled, even though it is not actively pursuing him for payment. our initial conclusionsThe adjudicator didn’t recommend that the complaint should be upheld, saying that as Mr S still owes money to Nat... (2 pages)View decision -
Decision Reference DRN4516826
13 Aug 2014 Lloyds Bank PLC Not upheldBanking and creditMr K and Mr J complain that Lloyds Bank plc (previously Lloyds TSB Bank plc) did not treat them fairly when their business had financial difficulties.backgroundMr K and Mr J had two loans with Lloyds secured on commercial property. In early 2012 they had difficulty making payments and... (2 pages)View decision -
Decision Reference DRN-4334839
6 Sep 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4334839 The complaint Mr M is unhappy that Moneybarn No. 1 Limited trading as Moneybarn (Moneybarn) didn’t allow him to keep a car he acquired under a conditional sale agreement, after he entered into a debt repayment plan. What happened In October 2021, Mr M entered into a conditional... (4 pages)View decision
