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 157456 results
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Decision Reference DRN-4988492
3 Mar 2025 Bank of Scotland Plc UpheldMortgagesDRN-4988492 The complaint Ms C and Mr F complain that Bank of Scotland plc (BOS) didn’t give enough notice that the fixed interest rate on their mortgage was ending in October 2023. They also complain that it didn’t then help Ms C find a solution to the unaffordable monthly payments whe... (5 pages)View decision -
Decision Reference DRN-5308973
3 Mar 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5308973 The complaint Mr P complains that Bank of Scotland plc trading as Halifax lent to him irresponsibly. What happened Mr P has had an overdraft on his current account with Halifax since 2009. Due to the time elapsed, neither he nor Halifax has been able to show what the initial... (4 pages)View decision -
Decision Reference DRN-5219066
3 Mar 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5219066 The complaint Miss H complains National Westminster Bank Plc unfairly recorded a CIFAs marker against her. She wants the marker removed. What happened Miss H held an account with NatWest. She says she agreed with her stepfather that he would close the account in 2020 on her ... (4 pages)View decision -
Decision Reference DRN-5306539
3 Mar 2025 Stellantis Financial Services UK Limited UpheldConsumer CreditDRN-5306539 The complaint Mr M complains about charges Stellantis Financial Services UK Limited, trading as Vauxhall Finance (who I’ll call VF), asked him to pay after he returned a car he had been financing through an agreement with them. What happened Mr M entered into a conditional s... (3 pages)View decision -
Decision Reference DRN-5359581
3 Mar 2025 Tesco Personal Finance Limited Not upheldConsumer CreditDRN-5359581 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank lent to him irresponsibly. What happened On 25 February 2014, Mr P applied for – and was granted – a loan for £11,000 from Tesco. It was to be repaid in 60 monthly instalments of £235.63. The ... (3 pages)View decision -
Decision Reference DRN-5303165
3 Mar 2025 Atom Bank PLC Not upheldBanking and PaymentsDRN-5303165 The complaint Mr W complains that Atom Bank PLC do not permit direct transfers between savings accounts held with it causing inconvenience and a potential breach of regulations. What happened Mr W holds two savings accounts with Atom Bank and wished to transfer funds from on... (2 pages)View decision -
Decision Reference DRN-5038452
3 Mar 2025 PayrNet Limited Not upheldBanking and PaymentsDRN-5038452 The complaint A limited company, B, complains that PayrNet Limited (as the recipient account provider) didn’t do enough to prevent the loss it suffered when it fell victim to what is says was a scam. Mr M (B’s director) brings the complaint on its behalf and has used a repr... (3 pages)View decision -
Decision Reference DRN-5356132
3 Mar 2025 Lendable Ltd Not upheldConsumer CreditDRN-5356132 Complaint Ms J has complained about a loan Lendable Ltd (“Lendable”) provided to her. She says that Lendable didn’t do enough background investigations to ensure that the loan was affordable for her. Background Lendable provided Ms J with a loan for £7,000.00 in January 201... (3 pages)View decision -
Decision Reference DRN-5359456
3 Mar 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5359456 Complaint Mr M complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to given his previous credit history. Background In September 2017, SMF provided Mr M with finance for a us... (3 pages)View decision -
Decision Reference DRN-5360725
3 Mar 2025 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-5360725 Complaint Mrs B has complained about the overdraft charges National Westminster Bank Plc (“NatWest”) applied to her current account. She’s said the charges were applied unfairly as she was allowed to use her overdraft for a prolonged period and even when it was clear that sh... (3 pages)View decision
