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 DRN4404552
15 Nov 2016 Baines & Ernst Limited Not upheldBanking and creditMiss P complains that Baines & Ernst Limited, (“BEL”), didn’t make her aware she could obtain the same or similar services free of charge when she entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Miss P’s behalf by ... (3 pages)View decision -
Decision Reference DRN2955050
9 Aug 2016 Rickard Lazenby Financial Services Ltd Not upheldBanking and creditThis complaint is about borrowing arranged for Mr and Mrs M by Rickard Lazenby Financial Services Ltd. (“RL”)Mr and Mrs M complain that, over the years, RL mis-sold them mortgages and they were poorly advised about borrowing repeatedly to cover unsecured credit they’d ... (3 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 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 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 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 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 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 DRN0151928
9 Aug 2019 Valour Finance Limited Not upheldBanking and creditMr B says Valour Finance Limited, trading as Savvy.co.uk, lent to him irresponsibly.backgroundMr B had one loan with Savvy for £800. The repayments were about £133 per month for 12 months, commencing in August 2015.Our adjudicator considered the complaint and didn’t think Savvy had acted i... (2 pages)View decision -
Decision Reference DRN3815637
15 Apr 2013 MBNA Limited Not upheldBanking and creditMrs B complains that MBNA has not used an agreed repayment plan and that her debt has gone up. She wants the debt to be reduced and an explanation of the high interest rate. backgroundMrs B has had a credit card since 2003 which was originally issued by Abbey but is now MBNA. She say... (1 page)View decision
