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 DRN0780019
9 May 2013 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs L complain that information Halifax holds, relating to a debt Mr L once had, is unfairly affecting the bank’s decisions to lend them money.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. She was satisfied the bank was ab... (2 pages)View decision -
Decision Reference DRN6678987
3 May 2017 PayPal Sarl & Cie, SCA Not upheldBanking and creditMr P complains about the service he received from PayPal Sarl & Cie, SCA.backgroundMr P sold an item on an online classified and community website. The payment for the item was received into his PayPal account. But the account holder subsequently asked for a return... (2 pages)View decision -
Decision Reference DRN9595591
6 Oct 2017 American Express Services Europe Limited Not upheldBanking and creditMr R complains that American Express Services Europe Limited (Amex) has registered a default on his credit file. He says he’s provided medical evidence that shows he lacked capacity to enter into the credit agreements with it. He doesn’t think it fair any default shoul... (2 pages)View decision -
Decision Reference DRN2706018
28 Sep 2018 National Westminster Bank Plc Not upheldBanking and creditMiss N is unhappy with the default notice that’s been placed on her credit file by National Westminster Bank Plc (NatWest) for the repayment of a joint overdraft. Miss N is also disputing she owes the outstanding amount of the overdraft as she says she wasn’t the ... (3 pages)View decision -
Decision Reference DRN1546699
11 Jun 2015 First Complete Ltd Not upheldBanking and creditMr and Mrs C complain that First Complete Limited gave them unsuitable advice, when it recommended that they consolidate credit card debts into an unsecured loan over the same term as their mortgage.backgroundIn 2007 Mr and Mrs C asked First Complete, a broker, to help... (2 pages)View decision -
Decision Reference DRN0914085
25 Sep 2018 MBNA Limited Not upheldBanking and creditMrs C complains that MBNA Limited is pursuing her for a debt she thought had been paid off by her ex-husband.backgroundMrs C had a credit card with MBNA. When she and her husband Mr C separated in 2015 she believed he paid all their credit cards off leaving nothi... (3 pages)View decision -
Decision Reference DRN-3437820
23 May 2022 Well Dunn Limited UpheldInsuranceDRN-3437820 The complaint Mr A complains about the advice he was given by Well Dunn Limited trading as Insurance Revolution Broking Services (Well Dunn) during a claim he made on his commercial vehicle insurance policy. He also complains it unfairly passed an outstanding balance to a debt ... (3 pages)View decision -
Decision Reference DRN-3477580
13 May 2022 Bamboo Limited UpheldConsumer CreditDRN-3477580 The complaint Mr F complains that Bamboo Limited (“Bamboo”) lent to him in an irresponsible manner. What happened Mr F was given 3 loans by Bamboo. He borrowed £3000 in August 2017 and agreed to repay this over 36 months. He refinanced that loan in January 2019 and took additio... (4 pages)View decision -
Decision Reference DRN5206545
22 Jun 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMs F complains, in summary, that she wasn’t provided with satisfactory information whenshe took out a debt management plan (“DMP”), with a third party (“T”). The DMP was thenpassed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks DebtManagement... (5 pages)View decision -
Decision Reference DRN6599058
11 Mar 2018 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank Plc sold a debt to Arrow Global which didn’t exist. He says he never signed a loan agreement and didn’t give his permission for his details to be passed to a debt collection agency.backgroundMr G entered into a Managed Loan agreement w... (2 pages)View decision
