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 601 results
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Decision Reference DRN2548913
31 Jan 2014 Barclays Bank Plc Not upheldBanking and creditMiss B complains that Barclays Bank PLC changed her address in its records without reason and that it closed her current and loan accounts and registered defaults on her credit file.backgroundMiss B had current and loan accounts with Barclays. Her accounts were in arrears and repaym... (2 pages)View decision -
Decision Reference DRN7348149
19 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditK820x complaintMr B complains that Lloyds TSB Bank plc will not refund to him the deposit that he paid, using his credit card, for a made to measure bed for his wife. His claim is made against Lloyds TSB under section 75 of the Consumer Credit Act 1974.our initial conclusionsThe adjudi... (2 pages)View decision -
Decision Reference DRN2536918
27 May 2016 Nationwide Building Society Not upheldBanking and creditMiss W complains that Nationwide Building Society won’t refund to her the money that she paid for a modelling photo shoot. Her complaint is made against Nationwide under section 75 of the Consumer Credit Act 1974. backgroundMiss W received an e-mail from a modelling ag... (2 pages)View decision -
Decision Reference DRN3863307
30 Nov 2015 NewDay Ltd Not upheldBanking and creditMr Z complains that NewDay Limited blocked his credit card and didn’t provide him with an acceptable explanation.backgroundMr Z has a credit card account with NewDay. It was blocked in July 2015 because NewDay wanted to review the account because of concerns about p... (2 pages)View decision -
Decision Reference DRN-5208452
8 Jan 2025 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-5208452 The complaint Mr L complains that N.I.I.B. Group Limited, trading as Northridge Finance, has reported a late payment to the credit reference agencies. What happened A used car was supplied to Mr L under a hire purchase agreement with Northridge Finance that he electronically... (2 pages)View decision -
Decision Reference DRN7040919
17 Dec 2013 Barclays Bank Plc Not upheldBanking and creditMr W complains that a payment break plan on his credit card was mis-sold to him by the original card provider, which has now been taken over by Barclays Bank PLC, trading as Barclaycard.our initial conclusionsThe adjudicator did not recommend that this complaint should be upheld... (2 pages)View decision -
Decision Reference DRN1426967
29 Jul 2014 Barclays Bank Plc Not upheldBanking and creditMr V complains that Barclays Bank PLC, trading as Barclaycard, will not refund to him the money that he paid for some payment vouchers. His complaint is made against Barclaycard under section 75 of the Consumer Credit Act 1974.backgroundMr V bought some payment vouchers from a third par... (2 pages)View decision -
Decision Reference DRN1790157
30 Sep 2014 Legal & General Assurance Society Limited Not upheldInvestment and pensionsMr and Mrs B complain that a life assurance policy was mis-sold to them by Legal & General Assurance Society Limited.backgroundMr and Mrs B took out a joint mortgage with Legal & General in 1987 (at that time they were not married). It was an interest only mortgage and Mr and... (2 pages)View decision -
Decision Reference DRN3269160
14 Aug 2018 BMW Financial Services (GB) Limited Not upheldBanking and creditMr S complains about the default that BMW Financial Services (GB) Limited has recorded on his credit file. He’s being helped with his complaint by his wife. backgroundA new car was supplied to Mr S under a hire purchase agreement with BMW Financial Services that he s... (3 pages)View decision -
Decision Reference DRN5079283
15 Feb 2018 Advantage Finance Ltd Not upheldBanking and creditMr W complains that a car that was supplied to him under a hire purchase agreement with Advantage Finance Limited wasn’t of satisfactory quality.backgroundA used car was supplied to Mr W under a hire purchase agreement with Advantage Finance in May 2017. Mr W compl... (2 pages)View decision
