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 DRN-3605511
25 Jul 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3605511 The complaint Mrs C complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to her irresponsibly and didn’t help her when she was in financial difficulty. What happened Mrs C applied online for a credit card in July 2016 – she asked for a balance transfer o... (5 pages)View decision -
Decision Reference DRN9845678
7 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs D complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”). backgroundMrs D had an interest only, discounted rate mortgage. In 2005, on L & G’s recommendation, she and Mr D remortgaged. In... (2 pages)View decision -
Decision Reference DRN9979303
24 Mar 2015 National Westminster Home Loans Limited Not upheldBanking and creditMr and Mrs V complain that National Westminster Home Loans Limited gave confusing and inappropriate advice about how they should prioritise their payments on their mortgage and other unsecured loans.backgroundMr and Mrs V had a mortgage with NatWest which fell into ar... (2 pages)View decision -
Decision Reference DRN6222733
25 Jun 2013 HFC Bank Limited Not upheldBanking and creditMr C complains that HFC Bank Limited failed to accept a substantial payment in 2005 in full settlement of his credit card debt. our initial conclusionsThe adjudicator did not recommend the complaint should be upheld. He concluded that Mr C had continued to use his card after he h... (2 pages)View decision -
Decision Reference DRN1035582
19 Nov 2013 Lowell Financial Ltd Not upheldBanking and creditMr D complains that Lowell Financial Ltd did not close down a debt that was statute barred. Lowell Financial then emailed Mr D asking him to contact it about the debt which caused him distress.backgroundIn early 2012, Mr D was contacted by Lowell Financial about a debt relating to an a... (2 pages)View decision -
Decision Reference DRN4247610
5 May 2016 Bank of Ireland (UK) Plc Not upheldBanking and creditMiss K complains that Bank of Ireland (UK) plc (BOI) didn’t remove a default on her credit file when she paid her debt off. She’d like it removed. And compensation for stress and inconvenience.our initial conclusionsOur adjudicator didn’t uphold the complaint. She didn’t ... (2 pages)View decision -
Decision Reference DRN7662617
3 May 2019 Vanquis Bank Limited Not upheldBanking and creditMr I complains that Vanquis Bank Limited sold his outstanding balance to a debt collection agency.backgroundFrom July 2014 until June 2016, Mr I had his credit card account with Vanquis frozen under a repayment option plan (ROP). On 10 March 2016, Vanquis wrote to Mr I... (3 pages)View decision -
Decision Reference DRN9126493
14 Nov 2014 Clydesdale Bank Plc UpheldPayment protection insurance (PPI)Mrs A’s complaint is about the compensation she’s been offered by Clydesdale Bank Plc (Clydesdale) for the mis-sale of two payment protection insurance (PPI) policies.backgroundIn 2002 Mrs A took out a loan with Clydesdale, at the same time she was sold a PPI policy.In 2003 she made a ... (2 pages)View decision -
Decision Reference DRN4160520
21 Mar 2016 Beaufort Securities Limited UpheldInvestment and pensionsMr M complains he’s lost money because of the way Beaufort Securities Limited handled histrading account.backgroundI issued a provisional decision on 1 February 2016. A copy of this decision is attached and it forms a part of this final decision. In my provisional ... (5 pages)View decision -
Decision Reference DRN-3328074
22 Feb 2022 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3328074 The complaint Miss S is unhappy that Tesco Personal Finance PLC is holding her liable for a credit card she says was taken out by her ex-partner which she had no knowledge of. She is being held liable for the debt on the account which she disputes. Miss S says she didn’t benefi... (6 pages)View decision
