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 1918 results
-
Decision Reference DRN-1856183
11 Sep 2020 TSB Bank plc UpheldBanking and PaymentsDRN-1856183The complaintMr A complains that TSB Bank plc recorded a CIFAS marker against his name. He says this meant he couldn’t apply for an account elsewhere and that his insurance company cancelled his car insurance, so he couldn’t drive. CIFAS is one of the UK’s fraud alert services. ... (2 pages)View decision -
Decision Reference DRN-4921613
13 Nov 2024 The Mortgage Lender Limited Not upheldMortgagesDRN-4921613 The complaint Mr J complains that The Mortgage Lender Limited has unfairly recorded a Cifas marker against him. What happened In December 2021, Mr J applied for a mortgage with The Mortgage Lender through a broker. In January 2022, it declined the application. In May 2024, M... (2 pages)View decision -
Decision Reference DRN-5646918
4 Nov 2025 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-5646918 The complaint Mr H complains that Monzo Bank Ltd (‘Monzo’) registered an adverse Cifas marker against him. What happened Mr H had a current account with Monzo. In January 2022, Monzo closed Mr H’s account with two months’ notice. Mr H complained to Monzo in December 2024, ... (3 pages)View decision -
Decision Reference DRN-1341248
10 Jul 2020 Oodle Financial Services Limited Not upheldConsumer CreditDRN-1341248 The complaintMiss D complains that Oodle Financial Services Limited passed information about her, to a fraud prevention agency. The information is about a car finance loan application, which Miss D says, was started by someone else and not by her. What happenedIn July 2019 a c... (4 pages)View decision -
Decision Reference DRN-4463547
8 Dec 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4463547 The complaint Mr H complains that Clydesdale Bank Plc (trading as Virgin Money) unfairly recorded a fraud marker against him and refuses to remove it. What happened Mr H held a current account with Virgin Money. In 2019, payments took Mr H into an unarranged overdraft. Mr H sai... (4 pages)View decision -
Decision Reference DRN-3068145
16 Nov 2021 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-3068145 The complaint The complaint, in summary is that Clydesdale Bank Plc unfairly declined W’s application to switch its business bank account from another provider and placed a CIFAS marker against its director. With the liquidator’s consent Mr N, the director of W, has brought the... (3 pages)View decision -
Decision Reference DRN3696496
10 Jan 2020 Virgin Money plc UpheldBanking and creditMrs D complains that Virgin Money Plc (Virgin) incorrectly placed fraud prevention markers on her account, and that this has caused her distress and inconvenience.backgroundIn September 2018 Mrs D applied for a Virgin credit card account. Her application was granted, and her identification... (2 pages)View decision -
Decision Reference DRN-5219733
20 Dec 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-5219733 The complaint Ms P complains that HSBC UK Bank Plc has unfairly applied a CIFAS marker against her name following a S.75 claim. HSBC says it has removed the marker and offered £500 compensation to Ms P. But Ms P would like HSBC to pay her more compensation (minimum £5,000) f... (2 pages)View decision -
Decision Reference DRN3732462
1 Mar 2019 Nationwide Building Society Not upheldBanking and creditMr J feels that Nationwide Building Society (“NBS” for short) has treated him unfairly by closing his account due to it seeing a marker about him on his Cifas file.backgroundMr J had a bank account with NBS. Another business placed a marker on Mr J’s Cifas file. (Mr... (2 pages)View decision -
Decision Reference DRN4043121
21 Oct 2016 Barclays Bank Plc Not upheldBanking and creditMr T complains that Barclays Bank Plc has closed his accounts and registered adverse information about him with CIFAS. Mr T is also unhappy that it hasn’t been explained to him as to why the bank has taken these actions.backgroundMr T doesn’t think he’s been treated f... (2 pages)View decision