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 70502 results
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Decision Reference DRN6712460
7 Oct 2015 Sainsbury's Bank Plc Not upheldBanking and creditMr L complains that Sainsbury’s Bank Plc recorded adverse information on his credit file and refused to remove a default after he settled his credit card debt.backgroundMr L had a credit card with Sainsbury’s Bank. In 2011 he contacted Sainsbury’s to let it know he wa... (3 pages)View decision -
Decision Reference DRN-3182987
1 Dec 2021 Access 4 Finance Limited Not upheldConsumer CreditDRN-3182987 The complaint Mr and Mrs S complain that they were mis-sold a personal loan brokered by Access 4 Finance Limited. What happened In 2015 Mr and Mrs S obtained a personal loan from a third party, secured by a second legal charge on their home. The term of the loan was 15 years. T... (6 pages)View decision -
Decision Reference DRN3069711
20 Sep 2016 Link Financial Outsourcing Limited Not upheldBanking and creditMr C complains that Link Financial Outsourcing Limited (“Link”) is chasing him to pay a debt he doesn’t owe it, and is wrongly showing this debt on his credit file.backgroundOur adjudicator didn’t recommend that this complaint should be upheld. From enquiries she had ... (2 pages)View decision -
Decision Reference DRN5130855
12 Aug 2015 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss D has complained about the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay her after she complained about the mis-sale of payment protection insurance (“PPI”) policies.backgroundMiss D took out PPI alongside eleven loans that she ... (3 pages)View decision -
Decision Reference DRN5226860
21 Oct 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMr C complains that a debt Cabot Credit Management Group Limited (“Cabot”) are pursuing him for is unenforceable and that they’ve been aggressive when chasing him for it.Mr C has been represented by a third party in this complaint but for ease I will refer to Mr C throughout this decision.... (3 pages)View decision -
Decision Reference DRN9690321
31 May 2018 Barclays Bank Plc Not upheldBanking and creditMr N seeks to complain about the way Barclays Bank Plc has pursued him for a debt it says Mr N has owed it for some years and also how the interest and charges were applied to it.backgroundBarclays sent Mr N its final response letter about the interest and charges... (2 pages)View decision -
Decision Reference DRN2981485
25 Oct 2013 Bank of Scotland Plc Not upheldBanking and creditMr R complains that in providing him, and continuing to provide him, with a preference card (a revolving credit facility), Bank of Scotland Plc was irresponsible. He says the bank must have known he could not afford the repayments, or the interest, and so is in part responsible for h... (2 pages)View decision -
Decision Reference DRN3790238
14 Dec 2016 Debitum Limited UpheldBanking and creditMr and Mrs M complain that Debitum Limited told them that they would be debt free after five years in a debt management plan, (“DMP”) with it. But, after completing the DMP, they were unhappy to discover that they still owed substantial sums to their creditors.backgr... (2 pages)View decision -
Decision Reference DRN9015860
11 Sep 2017 Motormile Finance UK Limited UpheldBanking and creditMiss A complains she’s been harassed by Motormile Finance UK Limited (MMF) over a debt she doesn’t owe. She says she’s sent them proof. She wants them to stop and to pay compensation for the stress caused.backgroundMiss A tells us she was contacted by MMF about a deb... (2 pages)View decision -
Decision Reference DRN1284078
8 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMs F complains that Barclays Bank Plc did not treat her fairly when she was in financial difficulties. She says it should have written off her debt. Ms F asks for compensation and that the repayments she has made are refunded.backgroundMs F had financial difficulties from late 2005. She ... (2 pages)View decision
