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 77331 results
-
Decision Reference DRN-6077572
19 Feb 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6077572 The complaint Mr T complains that Barclays Bank UK PLC trading as “Tesco Bank” has continued enforcement action on his credit card account, despite him pausing payments whilst raising concerns. What happened Besides setting out Mr T’s complaint, I won’t repeat all the facts... (3 pages)View decision -
Decision Reference DRN4328076
17 Oct 2014 HSBC Bank plc Not upheldBanking and creditMrs B complains that HSBC Bank Plc sold two debts to another company. She says she had repaid those debts, so the bank shouldn’t have sold them on. The defaults should have been marked as satisfied. backgroundHSBC held a second legal charge over Mrs B’s property. It had taken this cha... (2 pages)View decision -
Decision Reference DRN9335101
6 Aug 2013 Apex Credit Management Limited UpheldBanking and creditMs B complains about Apex Credit Management Limited pursuing her for a debt that she says was repaid in 2009.backgroundThe adjudicator recommended the complaint be upheld. She felt that Ms B was justified in disputing the debt and she did not think it was fair or reasonable for Apex t... (2 pages)View decision -
Decision Reference DRN0691564
5 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMrs R has complained via her son, Mr R, that Lloyds Bank PLC wrongly sold her debt to a third party collection agency without advising her and she can’t now get a replacement paying-in book. backgroundIn 2010 Mrs R’s was experiencing financial difficulties and her ... (2 pages)View decision -
Decision Reference DRN3327128
30 Mar 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr T and Mrs L complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.background Mr T and Mrs L had a mortgage taken out in 2006. Just over a year later, in 2008, they re- mortgaged on L&G’s advice. In doing so they pai... (3 pages)View decision -
Decision Reference DRN8447839
24 Dec 2019 Euler Hermes SA/NV Not upheldInsurance (excluding PPI)M’s complaint is about a claim it made on its Euler Hermes trade credit insurance policy. Mr H, on behalf of M, says Euler Hermes should pay M’s solicitors fees in bringing a claim against a debtor. backgroundM had the benefit of a trade credit insurance policy. The policy provided cover f... (2 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 -
Decision Reference DRN-5030264
3 Oct 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5030264 The complaint Mr C complains that Shawbrook Bank Limited (Shawbrook) have been unreasonable when not accepting his offer of repayment, when applying defaults to his accounts and when sending his accounts to a debt collection agency. What happened The details of this complain... (2 pages)View decision -
Decision Reference DRN0714660
10 Sep 2013 Barclays Bank Plc Not upheldBanking and creditMr A and Miss B complain about bank charges applied to their joint account between 2004 and 2008. They say that Barclays Bank Plc was wrong to apply the charges and it failed to treat them fairly when they were suffering financial difficulties. They would like the charges to be refunded ... (2 pages)View decision -
Decision Reference DRN-3078594
30 Sep 2021 PRA Group (UK) Limited Not upheldBanking and PaymentsDRN-3078594 The complaint Miss C has complained that PRA Group (UK) Limited are pursuing her for debts she didn’t realise she still had, and that they reported things incorrectly on her credit file. What happened This complaint is about three defaulted accounts – a credit card, a loan, and... (3 pages)View decision