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 DRN7648890
8 Dec 2015 Knightsbridge Insolvency Services Limited Not upheldBanking and creditMiss W complains that Knightsbridge Insolvency Services Limited wrongly advised her to enter into a protected trust.backgroundMiss W explains that Knightsbridge Insolvency Services Limited advised her to enter into a protected trust. She says that she explained that one o... (2 pages)View decision -
Decision Reference DRN-4481675
11 Mar 2024 Fluent Money Limited Not upheldMortgagesDRN-4481675 The complaint Mr and Mrs B complain that Fluent Money Limited mis-sold them a second charge mortgage (secured loan). What happened In 2018 Mr and Mrs B approached Fluent Money, a mortgage broker, for advice about taking a secured loan to consolidate unsecured debt. They origina... (3 pages)View decision -
Decision Reference DRN4023177
6 Feb 2014 HSBC Bank plc Not upheldBanking and creditMs E complains that HSBC Bank Plc failed to communicate with her for long periods about repayment of a debt she had guaranteed and then imposed an unrealistic deadline for her to sell her home. She wanted the bank to allow a realistic time frame to sell her home, to accept liability... (2 pages)View decision -
Decision Reference DRN7820531
23 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditsummary of complaintMr E and Mrs F complain that Lloyds TSB Bank Plc (“Lloyds TSB”) and its agent treated them inappropriately when they attempted to pay off their debt with it. They consider Lloyds TSB should now fairly write off their debt. our initial conclusionsOur adjudicator recom... (3 pages)View decision -
Decision Reference DRN-2157626
10 Sep 2020 National Westminster Bank Plc UpheldBanking and PaymentsDRN-2157626The complaintMr P complains that National Westminster Bank Plc (NatWest) sold his debts. He doesn't think the bank had the right to sell them – and says he’s been given conflicting information about the balances of the accounts when sold, and the date on which they transfer... (5 pages)View decision -
Decision Reference DRN-2836311
24 Jun 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-2836311 The complaint Mr N has complained about Lowell Portfolio I Ltd, saying they harassed him for unenforceable debts and falsely reported things on his credit file. What happened Between 2005 and 2016, Lowell purchased a number of Mr N’s debts. Some of these had already defaulted a... (2 pages)View decision -
Decision Reference DRN-4003194
31 Mar 2023 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-4003194 The complaint Miss W is unhappy about the way that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) has handled the outstanding balance on her credit card account. Miss W wants Tesco to write the outstanding debt off or pay significantly more compensation than it’s offe... (3 pages)View decision -
Decision Reference DRN5469945
28 Nov 2016 Lowell Financial Ltd Not upheldBanking and creditMr S complains that Lowell Financial Ltd (the business) is pursuing him for a debt he disputes.backgroundMr S says that the disputed debt was from over five years ago. He says that the original debt provider took his payment books saying it needed them for audit purpo... (2 pages)View decision -
Decision Reference DRN3148625
5 Mar 2020 MBNA Limited UpheldBanking and creditComplaintMrs K complains that MBNA Limited waited too long before defaulting her credit card. BackgroundThe background to this complaint and my initial conclusions are set out in my provisional decision – a copy of which is attached and forms part of this final decision. In my provisional ... (4 pages)View decision -
Decision Reference DRN9479487
16 Dec 2014 Apex Collections Limited Not upheldBanking and creditMr F complains about debt management activities carried out by Apex Collections Limited trading as Apex Credit Management (“Apex”).backgroundApex carries out debt collection activities on behalf of lenders with regulated credit agreements. Mr F had a debt owed to a creditor which had be... (2 pages)View decision
