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 1668 results
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Decision Reference DRN-1880713
13 Jul 2020 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-1880713 The complaintMiss B complains that Barclays Bank UK PLC closed her account and recorded a CIFAS marker against her name. She says this had a huge impact on her life and she wants compensation, in particular for being out of work for two years. CIFAS is one of the UK’s fraud al... (2 pages)View decision -
Decision Reference DRN3818597
3 Dec 2018 TSB Bank plc Not upheldBanking and creditMr A’s unhappy about the information TSB Bank plc has recorded against him after he made an unsuccessful online application for a bank account.backgroundTSB said in its final response that Mr A made an online application for a bank account. He was asked to provide mo... (2 pages)View decision -
Decision Reference DRN-2781095
27 Apr 2021 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-2781095 The complaint Mr A complains that Mercedes-Benz Financial Services UK Limited (MBFS) registered a fraud prevention marker against him without due cause. What happened In January 2016, Mr A acquired a car through a hire purchase agreement with MBFS. Mr A says he then gave the ca... (3 pages)View decision -
Decision Reference DRN7666248
25 Jun 2015 Santander UK Plc Not upheldBanking and creditMr M complains that Santander UK Plc (“Santander”) has wrongly placed a record against his name on the Credit Industry Fraud Avoidance Scheme (“CIFAS”) database. He feels that this is affecting his ability to secure a mortgage.Mr M has been supported in bringing this... (2 pages)View decision -
Decision Reference DRN0118980
11 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMr H complains that his bank, Lloyds Bank PLC, filed an adverse report with Cifas and he wants it to be removed. This happened after he received £50,000 from someone he knows, from an account with another bank (bank A). Mr H was also unhappy that Lloyds closed his ac... (3 pages)View decision -
Decision Reference DRN-4938196
4 Feb 2025 TSB Bank plc Not upheldBanking and PaymentsDRN-4938196 The complaint Mr O complains that TSB Bank plc has treated him unfairly by closing his account due to it seeing a marker about him on his Cifas file. What happened Mr O had a current bank account with TSB. In July 2023 Mr O applied online to open a savings account with TSB.... (3 pages)View decision -
Decision Reference DRN-3735216
11 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3735216 The complaint Mrs K complains that NewDay Ltd incorrectly added a marker about her at CIFAS, the national fraud database, causing her financial difficulties and distress. What happened Mrs K explains that her accounts with other financial businesses were closed within a short s... (3 pages)View decision -
Decision Reference DRN-4571987
21 Feb 2024 Santander UK Plc Not upheldBanking and PaymentsDRN-4571987 The complaint Mr L complains that Santander UK Plc unfairly closed his account. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events here. Mr L applied for a basic account with Sa... (2 pages)View decision -
Decision Reference DRN-4933836
22 Aug 2024 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-4933836 The complaint Mr P has complained BMW Financial Services (GB) Limited lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened In 2023 Mr P realised there was a CIFAS marker lodged against his name based on an application made for finan... (2 pages)View decision -
Decision Reference DRN1380299
30 Dec 2019 National Westminster Bank Plc Not upheldBanking and creditMr T is unhappy that National Westminster Bank PLC added a Credit Industry Fraud Avoidance System (CIFAS) marker against his name. He says this had led to him having his bank account closed. And he wants NatWest to remove his CIFAS marker. backgroundMr T opened an account with NatWest in 2... (3 pages)View decision
