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 47842 results
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Decision Reference DRN3795572
19 Mar 2019 Santander UK Plc UpheldBanking and creditMiss S complains that Santander UK Plc delayed applying a default to her credit file. Had it been applied sooner, six years would now have passed and the default would’ve been removed from her credit file. She would like the default removed from her credit file. Mi... (2 pages)View decision -
Decision Reference DRN-3822418
17 Jan 2023 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-3822418 The complaint Mr O has complained that Debt Managers (Services) Limited didn’t accept his partial settlement offer when it was in line with an amount they’d asked for in the past. What happened This complaint surrounds a defaulted hire purchase debt which was sold to Debt Manag... (2 pages)View decision -
Decision Reference DRN7127556
17 Sep 2015 Barclays Bank Plc Not upheldPayment protection insurance (PPI)Miss P has complained about the way Barclays Bank Plc has used the compensation it worked out she was due after she complained she’d been mis-sold payment protection insurance (PPI).backgroundBetween 2004 and 2007 Miss P took out four loans with Barclays and was sold ... (2 pages)View decision -
Decision Reference DRN5313453
19 Jan 2017 DFH Limited Not upheldBanking and creditMr C complains, in summary, that DFH Limited, trading as DFH Financial Solutions, (“DFH”), didn’t provide him with appropriate information when he entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mr C’s behalf by a ... (2 pages)View decision -
Decision Reference DRN2540641
2 Nov 2016 Cabot Financial (Europe) Limited UpheldBanking and creditMr T complains that Cabot Financial (Europe) Limited (trading as Cabot Financial) will not tell him why it took so long to write off his credit card debt, or how the balance on the account came to increase by so much.background Mr T originally owed a debt to a credi... (2 pages)View decision -
Decision Reference DRN0154737
9 Dec 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is about the way National Westminster Bank Plc (NatWest) paid him compensation for a mis-sold payment protection insurance (PPI) policy.backgroundMr A complained to NatWest about a single premium PPI policy sold with a loan. Mr A was sold several PPI policies and loans... (3 pages)View decision -
Decision Reference DRN9248292
29 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs B, represented by a claims management company, complain that the advice they were given by Legal & General Partnership Services Limited (L&G) to consolidate unsecured debts into their new mortgage was unsuitable.our initial conclusionsOur adjudicator recommended t... (2 pages)View decision -
Decision Reference DRN-3081908
28 Oct 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-3081908 The complaint Mr E complains that Vanquis Bank Limited irresponsibly increased the credit limit on his credit card account to unaffordable levels. What happened Mr E says he opened the Vanquis account in 2018 and accepts the initial lending decision was appropriate and not unaf... (2 pages)View decision -
Decision Reference DRN6382124
21 Nov 2014 Arrow Global Limited UpheldBanking and creditMrs B complains that Arrow Global Limited is pursuing her for the wrong amount of money. She says the balance includes Payment Protection Insurance (“PPI”) premiums. She says that this is unfair because the PPI policy was missold to her and so any premiums added to the balance of th... (2 pages)View decision -
Decision Reference DRN8075823
16 Apr 2013 Hamilton and Clarke Ltd Not upheldBanking and creditMr L complains that Debt Shield will not refund a £500 fee he paid to it when his involvement with it ended.background Mr L became a client of Debt Shield after an initial consultation with its advisor and he completed a questionnaire about his financial situation. On the information pr... (2 pages)View decision
