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 70661 results
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Decision Reference DRN-4395944
20 Oct 2023 Vodafone Limited Not upheldConsumer CreditDRN-4395944 The complaint Mr M has complained that Vodafone Limited recorded a default on his credit file in relation to a fixed sum loan agreement he’d taken out to buy a phone. What happened The circumstances of the complaint are well known to both parties. So I’m not going to cover off ... (3 pages)View decision -
Decision Reference DRN4299374
30 Jan 2014 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs H complain that National Westminster Bank Plc has not dealt fairly with them concerning the repayment of their business debt, has not responded properly to their questions and will not accept their reasonable repayment proposals. backgroundMr and Mrs H were two of three par... (3 pages)View decision -
Decision Reference DRN6917215
2 Jul 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Ms M complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr and Ms M remortgaged, acting on advice from L&G. At the time, they had two credit cards, a loan and an overdra... (2 pages)View decision -
Decision Reference DRN7685243
20 Jun 2014 Debt Connect (U.K.) Limited UpheldBanking and creditMrs F complains that Debt Connect (U.K.) Limited ‘Debt Connect’ has not refunded her the money she was due back for cancelling a debt management plan (‘DMP’). She says that Debt Connect was not making payments to her creditors while she was in the plan.backgroundMrs F had a DMP with D... (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 DRN5493227
7 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMs Z complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay money to her creditors as it had agreed to do.backgroundMs Z entered into a debt reduction agreement with One Debt Solution ... (2 pages)View decision -
Decision Reference DRN-5318863
27 Feb 2025 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-5318863 The complaint Ms C complains that American Express Services Europe Limited (AESEL) suspended her account. She’s unhappy that she didn’t receive a letter advising her that this would happen and is unhappy about the way in which her account and her subsequent complaint has bee... (3 pages)View decision -
Decision Reference DRN-3328258
29 Jun 2022 Santander UK Plc UpheldConsumer CreditDRN-3328258 The complaint Mrs H complains that Santander UK Plc (“Santander”) continued to contact and harass her for repayments to her personal loan despite a debt management plan having been agreed. What happened Mrs H applied to Santander for a personal loan of £3,000 in July 2019. Sant... (3 pages)View decision -
Decision Reference DRN9477679
25 Jul 2016 Barclays Bank Plc UpheldBanking and creditMrs K, through her daughter, complains that Barclays Bank Plc (trading as the Woolwich) mis-sold her a mortgage and a further advance which wasn’t suitable to her needs. She also complains that Barclays Bank Plc is not treating her sympathetically in her financial diff... (4 pages)View decision -
Decision Reference DRN2118475
25 Sep 2015 Arrow Global Limited Not upheldBanking and creditMs A complains that Arrow Global Limited is wrongly chasing her to repay a debt that she doesn’t owe. backgroundMs A explains that in 2011 she had a Payment Protection Insurance (PPI) refund. The letter that was sent to her explaining the refund said that it would b... (2 pages)View decision
