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 DRN1926476
13 Feb 2018 NRAM Limited UpheldBanking and creditThis complaint is about an unsecured loan to which Mr A is a joint party, along with his former partner (whom I shall refer to as “Ms A”). Mr A complains that by trying to negotiate a payment arrangement when it knows he has severe health problems, NRAM Limited (“NRAM”... (2 pages)View decision -
Decision Reference DRN2804105
12 Oct 2017 Arrow Global Limited Not upheldBanking and creditMs F is unhappy that Arrow Global Limited (“Arrow”) is only pursuing her for the debt that she held jointly with her ex-husband.backgroundIn 2001 Ms F and her ex-husband took out a loan for £15,000. But in 2010 Ms F and her husband separated and divorced in 2011. Ms... (2 pages)View decision -
Decision Reference DRN-3730106
30 Sep 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3730106 The complaint Mrs M complains that National Westminster Bank Plc incorrectly recorded her payments with Credit Reference Agencies (CRA’s) and they have charged her an annual fee and interest despite her being in financial difficulties. Mrs M is represented by her son in bringin... (7 pages)View decision -
Decision Reference DRN-4586622
23 Feb 2024 Paratus AMC Limited UpheldMortgagesDRN-4586622 The complaint Ms C complains that Paratus AMC Limited is now asking her to pay the shortfall for a mortgage. She told us that the shortfall must date back to around 2007 or 2008, and Paratus hasn’t been in touch about this debt for many years. What happened This decision deals ... (5 pages)View decision -
Decision Reference DRN6025982
25 May 2016 Vanquis Bank Limited UpheldBanking and creditMr V complains that Vanquis Bank Limited (“Vanquis”) has not treated him fairly in that it incorrectly debited his credit card account twice, putting him well in excess of his credit limit. He would like Vanquis to write off the debt and close the account. backgro... (2 pages)View decision -
Decision Reference DRN6108144
28 Oct 2014 Harrington Brooks (Accountants) Limited UpheldBanking and creditMr and Mrs D have complained that their debt management plan with Harrington Brooks (Accountants) Limited was unsuitable and not properly explained to them, and has adversely affected their credit rating.backgroundMr and Mrs D entered into a debt management plan with Harrington Brooks,... (2 pages)View decision -
Decision Reference DRN5750416
31 Mar 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMs L, a sole trader, has complained about the way The Royal Bank of Scotland Plc dealtwith her accounts and particularly that no help was given when she told her businessmanager that she was having financial difficulties.backgroundOur adjudicator reviewed the case an... (5 pages)View decision -
Decision Reference DRN-3197710
4 Dec 2021 TFS Loans Limited Not upheldConsumer CreditDRN-3197710 The complaint Miss M complained about a loan provided to her by TFS Loans Limited which she said was unaffordable. What happened TFS Loans provided Miss M with a loan as follows: Date loan taken Loan status Amount Term Monthly repayment 15/12/2014 Paid £5,000 36 months £240.00 ... (5 pages)View decision -
Decision Reference DRN9480639
10 Apr 2014 Santander UK Plc UpheldBanking and creditMr D complains that Santander UK Plc (trading as Cahoot) recorded a default on his credit file without notifying him. He says he thought he’d settled his account and didn’t realise the debt existed. He complains that the charges applied after he thought the account was settled are unfair... (2 pages)View decision -
Decision Reference DRN7617785
3 Dec 2015 Sterling Financial Security Ltd UpheldBanking and creditMr S complains that Sterling Financial Security Ltd trading as Best Solutions (Best Solutions) mismanaged a debt reduction programme (DRP). He said only minimal payments had been made to his creditors. backgroundIn around June/August 2010, Mr S entered into a DRP with ... (3 pages)View decision
