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 71923 results
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Decision Reference DRN8730139
11 Feb 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs F complain that National Westminster Bank Plc is pursuing Mr F for debt which is the subject of a County Court Judgement (CCJ).our initial conclusionsThe adjudicator did not recommend that this complaint be upheld. He concluded the CCJ was against Mrs F and the bank was... (2 pages)View decision -
Decision Reference DRN-2573144
30 Jun 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2573144 The complaint Mr and Mrs T complain about how TSB Bank plc allocated funds following the sale of a secured property they both owned. What happened Mr and Mrs T sold a property in 2019. The sale proceeds were used by TSB to clear the mortgage on that property and to repay a debt... (3 pages)View decision -
Decision Reference DRN6117626
23 Apr 2014 Barclays Bank Plc Not upheldBanking and creditMiss F complains that Barclays Bank Plc wrongly applied part of an award for mis-sold PPI to repayment of a defaulted loan. She says she was not aware of the debt and it is statute barred. She asks for the PPI award to be refunded to her.backgroundMiss F borrowed about £10,000 from... (3 pages)View decision -
Decision Reference DRN7550828
21 Oct 2016 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M’s complaint is about the sale of a payment protection insurance (PPI) policy and the way Capital One (Europe) plc (Capital One) has used the compensation it offered to put things right.backgroundMr M was sold PPI with his credit card in 2004. Mr M later enter... (2 pages)View decision -
Decision Reference DRN-2781366
27 Apr 2021 PayPal Europe Sarl & Cie, SCA UpheldConsumer CreditDRN-2781366 The complaint Mr W is unhappy that PayPal Europe Sarl & Cie, SCA have refused to remove a default from his credit file as a result of his bankruptcy in 2018. What happened Mr W was declared bankrupt on 22 May 2018. The debts listed in the bankruptcy order included an amount... (4 pages)View decision -
Decision Reference DRN-4644499
11 Mar 2024 Freedom Finance Limited UpheldMortgagesDRN-4644499 The complaint Mr F and Miss H complain they were mis-sold a second charge mortgage (secured loan) by Freedom Finance Limited. What happened In February 2019 Mr F and Miss H took advice from Freedom Finance, which recommended they take a secured loan with a lender I’ll call U. T... (10 pages)View decision -
Decision Reference DRN2259159
21 Jul 2015 1st Credit Limited UpheldBanking and creditMr H complains that 1st Credit Limited wrongly made him bankrupt when he was repaying his debt through a debt management company.backgroundMr H had difficulties repaying his debt to 1st Credit and he had been in a repayment plan that had failed. In August 2013 Mr H ... (2 pages)View decision -
Decision Reference DRN1113613
22 Feb 2016 Bryan Carter Solicitors LLP Not upheldBanking and creditMr F is unhappy that Bryan Carter Solicitors LLP has been chasing him for payment of a debt owing to its client. He says this is in breach of various regulations as the debt is statute barred and no longer legally enforceable. He wants an apology and compensation.ba... (2 pages)View decision -
Decision Reference DRN-4524861
14 Aug 2024 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4524861 The complaint Mr B complains that American Express Services Europe Limited (AESEL) closed his credit card account and cancelled the direct debt. He also complains that the management of his account was passed to a debt collection firm. What happened Mr B says that in summer... (3 pages)View decision -
Decision Reference DRN6771151
26 Apr 2018 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Mr M complained that a payment protection insurance (PPI) policy sold to him by Capital One (Europe) Plc (Capital One) alongside his credit card had been mis-sold.backgroundMr M complained to Capital One that the PPI he had on his credit card was mis-sold. After he ha... (2 pages)View decision
