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 634 results
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Decision Reference DRN1327931
17 Oct 2014 Barclays Bank Plc Not upheldBanking and creditMr D complains that Barclays Bank PLC, trading as Barclaycard, will not pay him the compensation that is due to him under EC Regulation as a result of a flight being delayed. His complaint is made against Barclaycard under section 75 of the Consumer Credit Act 1974.backgroundMr D booked... (2 pages)View decision -
Decision Reference DRN1946045
5 Jan 2018 Santander UK Plc UpheldBanking and creditMr B, who is represented by Mrs A, complains that Santander UK Plc defaulted his account.backgroundMr B took out a loan with Santander in 2015 for £15,000 over five years. He fell into arrears and Santander sent Mr B a notice on 13 June 2017. It said: we may regi... (2 pages)View decision -
Decision Reference DRN3553239
11 Feb 2019 American Express Services Europe Limited (AESEL) Not upheldBanking and creditMr P complains that American Express Services Europe Limited won’t refund to him the money that he paid for a shower at an exhibition. His complaint is made against American Express under section 75 of the Consumer Credit Act 1974. backgroundMr P used his American Expre... (2 pages)View decision -
Decision Reference DRN0586134
25 Mar 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr W complains that Cabot Credit Management Group Limited is asking him to pay a debt that he disputes and which he says is unenforceable. He’s being helped with his complaint by a representative.backgroundCabot says that Mr W had a credit card debt of £1,084.58 that was assigned to it in ... (2 pages)View decision -
Decision Reference DRN0513669
3 Mar 2015 AIB Group (UK) Plc Not upheldBanking and creditMrs G complains that AIB Group (UK) plc, trading as First Trust Bank, will not pay compensation to her for a flight that was delayed. Her complaint is made against First Trust Bank under section 75 of the Consumer Credit Act 1974. backgroundMrs G paid £2,401.92 for some flights usin... (2 pages)View decision -
Decision Reference DRN-3689651
4 Dec 2023 MBNA Limited Not upheldBanking and PaymentsDRN-3689651 The complaint Ms R complains that MBNA Limited won’t refund to her the money that she paid for some holiday club membership points rights. Her husband is also involved in her complaint and she’s being represented by a claims management company. What happened Ms R and her husban... (3 pages)View decision -
Decision Reference DRN3767921
13 Nov 2020 Everyday Lending Limited UpheldBanking and creditMr A complains that Everyday Lending Limited (“ELL”) lent to him in an irresponsible manner. background Mr A was given two loans by ELL. He borrowed £1,500 in June 2016, and agreed to repay his loan in 24 monthly instalments. The following year, in February 2017, he refinanced the loan and... (3 pages)View decision -
Decision Reference DRN-3553609
23 May 2023 MBNA Limited Not upheldBanking and PaymentsDRN-3553609 The complaint Mr D complains that MBNA Limited won’t refund to him the money that he and his wife paid for a holiday product. He’s being represented in his complaint by a claims management company. What happened Mr D and his wife entered into a vacation plan purchase agreement ... (3 pages)View decision -
Decision Reference DRN9247592
11 Apr 2016 Skyfire Insurance Company Limited Not upheldInsurance (excluding PPI)Mr H complains that Skyfire Insurance Company Limited mishandled his claim on a motor insurance policy.backgroundAfter an accident, Mr H complained that his insurer delayed inspecting his car, then wrote it off and mishandled the payment for it. His insurer offere... (3 pages)View decision -
Decision Reference DRN2008142
6 Sep 2019 Omni Capital Retail Finance Limited Not upheldBanking and creditMiss M complains that Omni Capital Retail Finance Limited won’t refund to her the money that she’s paid it for a make-up course with a company that’s gone into liquidation and that it won’t cancel her loan agreement.backgroundMiss M signed a fixed sum loan agreement with Omni Finance in Au... (2 pages)View decision
