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 69711 results
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Decision Reference DRN4316477
28 Jun 2013 Nationwide Building Society UpheldBanking and creditMr W complains that Nationwide Building Society is chasing him for a debt he paid in full years ago. our initial conclusionsThe adjudicator recommended that the complaint should be upheld, saying he was satisfied that the debt, which was the subject of County Court proceedings, was ... (2 pages)View decision -
Decision Reference DRN0387889
25 Mar 2014 Money Debt And Credit Limited Not upheldBanking and creditMr E complains that the individual voluntary arrangement (IVA) he has with Money Debt And Credit (Financial Services) Ltd was wrongly sold.backgroundMr E entered into an IVA with Money Debt and Credit, on the basis that all of his creditors were included in the arrangement. He late... (1 page)View decision -
Decision Reference DRN-3272875
8 Aug 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3272875 The complaint Mr C complains about a decision by Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) to suspend his card for being in persistent debt. What happened Mr C has an account with Barclaycard that, before suspension, was maintained close its the credit limit. ... (3 pages)View decision -
Decision Reference DRN4903159
12 Jun 2020 Bank of Scotland Plc UpheldBanking and creditMr B complains that Bank of Scotland Plc (trading as Birmingham Midshires) isn’t following rules set by the regulator and that a debt it’s pursuing him for is unenforceable. Mr B’s partner (Ms B) has represented him in bringing this complaint. backgroundMr B had a mortgage with Birmingham ... (4 pages)View decision -
Decision Reference DRN1583376
28 Nov 2017 Barclays Bank Plc Not upheldBanking and creditMr C complains that Barclays Bank Plc has sold his debt when he thought he had paid it off.backgroundMr C said that he had made an arrangement through a debt management charity to pay off his debt with Barclaycard some years ago. And he said that he stuck to that,... (2 pages)View decision -
Decision Reference DRN2093744
11 Feb 2015 Hillesden Securities Limited Not upheldBanking and creditMr D complains that he is being pursued for a debt by Hillesden Securities Limited trading as Direct Legal & Collections (DLC) which does not belong to him. Further, it has recorded incorrect information on his credit file. backgroundDLC acquired a debt in 2012. It was unaware that ... (2 pages)View decision -
Decision Reference DRN9767214
6 May 2015 American Express Services Europe Limited Not upheldBanking and creditMr L complains about a debt with American Express Services Europe Limited and is unhappy about the debt still showing on his credit file. He believes the debt is statute barred and it should therefore no longer be showing with the credit reference agencies. backgrou... (2 pages)View decision -
Decision Reference DRN-3872237
17 Mar 2023 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3872237 The complaint Mr S complains about two charging orders applied to his domestic property by National Westminster Bank Plc and about the bank not providing reasonable assistance to get them removed. What happened In September 2021, Mr S sought to re-mortgage his domestic property... (4 pages)View decision -
Decision Reference DRN-2715453
14 Apr 2021 Hoist Finance UK Limited Not upheldConsumer CreditDRN-2715453 The complaint Mr D has complained that Hoist Finance UK Limited didn’t send him the documents he asked for. What happened This complaint is about a credit card account from 2013, which was sold to Hoist in 2018. In 2020, Mr D asked Hoist for certain documents such as the credit... (2 pages)View decision -
Decision Reference DRN0313103
4 Dec 2014 Capital One (Europe) plc Not upheldBanking and creditMr C, complains that Capital One (Europe) plc did not give reasonable consideration to his offer in settlement to clear his credit card balance and sold it to a third party. He is represented by his brother, Mr A.our initial conclusionsThe adjudicator did not recommend that t... (2 pages)View decision
