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 354994 results
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Decision Reference DRN1467507
10 Jun 2015 National Westminster Bank Plc Not upheldBanking and creditMr W complains that he was pressurised into providing a personal guarantee for his company borrowing by National Westminster Bank Plc.backgroundMr W signed a guarantee for £55,000 in March 2008. The guarantee was called in December 2011.The adjudicator did not recommend ... (2 pages)View decision -
Decision Reference DRN8568953
10 Jun 2015 Lloyds Bank PLC Not upheldBanking and creditMr B is unhappy with how Lloyds Bank plc dealt with him after he was tricked into making several overseas transfers.backgroundIn 2014 Mr B was trying to complete an overseas deal. Between 16 September 2014 and 14 October 2014 he made three transfers to separate acco... (2 pages)View decision -
Decision Reference DRN3928117
10 Jun 2015 NewDay Ltd Not upheldBanking and creditMrs S complains that NewDay Ltd will not send her a cheque for the credit balance on her account.backgroundMrs S had a store card which was taken over by NewDay in 2014. The business wrote to Mrs S and told her that there was a credit balance of £1.90 and asked ... (1 page)View decision -
Decision Reference DRN9890438
10 Jun 2015 Santander UK Plc UpheldBanking and creditMr P complains that Santander UK plc delayed in sending some money overseas, and that meant he lost out because the exchange rate changed.our initial conclusionsOur adjudicator thought that Santander had made a fair offer. He could see that Santander had tried to contact Mr P on ... (2 pages)View decision -
Decision Reference DRN5140200
10 Jun 2015 Santander UK Plc Not upheldBanking and creditMrs L is unhappy that Santander UK plc won’t refund disputed transactions totalling around £70,000. Mrs L’s representative, Mr F, brings the complaint on her behalf.backgroundMrs L had a lodger, Mr N. He said he was her nephew. He acted as her carer. He was a f... (2 pages)View decision -
Decision Reference DRN0605207
10 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMr D complains that Bank of Scotland plc was party to a mis-sold pension scheme. He wants £20,000 to be refunded to him and the remaining loans he has with the bank to be written off.backgroundIn 1991, Mr D took out loans of over £50,000 with Bank of Scotland, in or... (2 pages)View decision -
Decision Reference DRN2268254
10 Jun 2015 FCE Bank Plc Not upheldBanking and creditMr C acquired a new car in mid November 2012 by hire purchase with FCE Bank Plc, trading as Ford Credit. He complains that the car has exhibited very serious faults and is not fit for purpose. He wants to reject the car, and to receive a full refund of all pa... (4 pages)View decision -
Decision Reference DRN6420625
10 Jun 2015 Advantage Finance Ltd UpheldBanking and creditMr E complains that a car he acquired with the assistance of finance from Advantage Finance Ltd had a manufacturing defect and was not of satisfactory quality.backgroundMr E acquired the car in August 2013. In July 2014 the car broke down and it was discovered that the... (3 pages)View decision -
Decision Reference DRN2725609
10 Jun 2015 Idem Capital Securities Limited Not upheldBanking and creditMr C complains about information Idem Capital Securities Limited has recorded on his credit file.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He considered that Idem was entitled to record missed/part payments on Mr C’s credit file... (2 pages)View decision -
Decision Reference DRN0449862
10 Jun 2015 Vanquis Bank Limited UpheldBanking and creditMr S has complained about the quality of a kitchen he bought, which was partly financed (£2,507.44) using his Vanquis Bank Limited credit card.backgroundMr S bought a kitchen from a third party supplier. However, he has explained that after it was installed, it bec... (2 pages)View decision
