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 71523 results
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Decision Reference DRN3652974
19 Aug 2016 Blue Finance Management Limited UpheldBanking and creditMr H and Mrs S complain about Blue Finance Management Limited, trading as Debt Plan Direct. They say Debt Plan Direct:-didn’t tell them about free debt management services;- misled them about the fees they’d have to pay;- didn’t handle the payments they made to it c... (2 pages)View decision -
Decision Reference DRN9160913
21 Mar 2018 NRAM plc Not upheldPayment protection insurance (PPI)Mr K isn’t happy with how NRAM plc (‘NRAM’) has offered to resolve his complaint about two PPI policies attached to two loans he had. backgroundMr K took out four loans with NRAM between 2001 and 2005. Loans 2, 3 and 4 refinanced the previous loans. On Loan 1 a... (2 pages)View decision -
Decision Reference DRN9172974
7 Aug 2014 HSBC Bank plc Not upheldBanking and creditMr F complains that HSBC Bank plc has sold a debt he owes to a third party, that the amount outstanding has been overstated and that he has not been provided with a proper explanation or documentation.background Mr F had two loans with HSBC one of which he says he paid off. HSBC says t... (2 pages)View decision -
Decision Reference DRN5015782
31 Jan 2018 National Westminster Bank Plc UpheldPayment protection insurance (PPI)National Westminster Bank Plc (NatWest) mis-sold a payment protection insurance (PPI) policy to Mrs M. Mrs M has complained about the way they compensated her.backgroundI sent my provisional decision on 12 January 2018, and I’ve attached a copy of it. It forms part of th... (4 pages)View decision -
Decision Reference DRN-2635200
3 Mar 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2635200 The complaint Mr J complained that he shouldn’t have been given a credit card by Vanquis Bank Limited (Vanquis) and they lent to him irresponsibly. What happened Mr J was given a credit card by Vanquis in 2015 with a limit of £250. The limit was increased by Vanquis as follows:... (4 pages)View decision -
Decision Reference DRN5998105
15 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMr M complains that Barclays Bank Plc wrongly told him in 2008 that his credit card account was closed, leading to interest and charges being applied and his credit rating being affected. He also complains that Barclays took money from his current account without warning, to pay his credi... (3 pages)View decision -
Decision Reference DRN5342317
10 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr E has complained that Barclays Bank Plc wrongly placed a default on his credit file in relation to a credit card account that was sold on to debt collectors. backgroundMr E says the debt collector has written off the balance on the debt and removed the default.... (2 pages)View decision -
Decision Reference DRN-3758203
15 Dec 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3758203 The complaint Miss D complains that Barclays Bank UK PLC held her liable for credit card transactions she says she didn’t make, which led to her entering into an IVA. She’d like the transactions refunded and compensation. What happened Miss D held a credit card account with Bar... (3 pages)View decision -
Decision Reference DRN3627582
31 Mar 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Miss S’s complaint is about how The Royal Bank of Scotland Plc (RBS) used the compensation it offered to settle her complaint about mis-sale payment protection insurance (PPI).backgroundMiss S complained to RBS about PPI sold to her with two loans. RBS offered to se... (3 pages)View decision -
Decision Reference DRN2467165
13 May 2020 HSBC UK Bank Plc Not upheldBanking and creditMr M complains that HSBC UK Bank Plc defaulted his bank account and he says that this affected his mortgage application even though he’d settled the outstanding debt several years earlier.backgroundMr M says he approached HSBC about a remortgage; he wanted to transfer the mortgage into his... (3 pages)View decision
