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 77331 results
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Decision Reference DRN6154531
13 Oct 2015 Nationwide Building Society Not upheldBanking and creditMrs E complained because Nationwide Building Society refused her application for a personal loan.backgroundIn September 2014, Mrs E became aware of a large amount of credit card debt which her husband had built up in her name. She consulted a financial advisor, and ... (2 pages)View decision -
Decision Reference DRN-2445468
11 Jan 2021 Santander UK Plc Not upheldMortgagesDRN-2445468 The complaint Mr and Mrs H are unhappy that Santander UK Plc wouldn’t lend them further money on their mortgage to consolidate their debts. They say this forced them to move their mortgage elsewhere and thus incur a £7,260.72 early repayment charge (ERC). Mr and Mrs H have said... (3 pages)View decision -
Decision Reference DRN6062515
20 Jul 2017 HSBC Bank plc Not upheldBanking and creditMr R has complained that poor service by HSBC Bank Plc has left him unable to properly manage his current accounts. Mr R also complains that HSBC hasn’t frozen the interest or suspended its debt recovery actions.backgroundMr R says illness and a change in his perso... (2 pages)View decision -
Decision Reference DRN-2661460
18 Mar 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2661460 The complaint Ms M is unhappy because Bank of Scotland plc trading as Halifax (“Halifax”) declined her request for a £50 overdraft. What happened Ms M asked Halifax for a £50 overdraft in August 2020, and Halifax declined her request. Ms M wasn’t happy and complained to Halifax... (2 pages)View decision -
Decision Reference DRN6712460
7 Oct 2015 Sainsbury's Bank Plc Not upheldBanking and creditMr L complains that Sainsbury’s Bank Plc recorded adverse information on his credit file and refused to remove a default after he settled his credit card debt.backgroundMr L had a credit card with Sainsbury’s Bank. In 2011 he contacted Sainsbury’s to let it know he wa... (3 pages)View decision -
Decision Reference DRN7282561
25 Jan 2018 Capital One (Europe) plc Not upheldBanking and creditMr M complains that Capital One (Europe) plc told him that interest would not be applied to his credit card account when he told them that he was in financial difficulties and then applied it anyway. He wants: £300 he has wrongly paid as a result of this to be retu... (4 pages)View decision -
Decision Reference DRN0316207
28 May 2013 EUI Limited UpheldInsurance (excluding PPI)Mrs L has complained that a debt collection agency is pursuing her for a debt related to her motor insurance policy, which she believed had been resolved in September 2008. backgroundMrs L had been insured with EUI Limited (trading as Diamond) for some years. At her 2008 renewal, sh... (2 pages)View decision -
Decision Reference DRN1660870
30 Jun 2014 Microcredit Limited UpheldBanking and creditMiss G complains about the way Microcredit Limited (trading as MiniCredit.co.uk) has treated her when she experienced financial difficulties. backgroundMiss G took out a loan with Microcredit repayable within 42 days. She experienced financial difficulties during this time and opened a d... (3 pages)View decision -
Decision Reference DRN4753383
24 Oct 2016 DEBT CORRECT Not upheldBanking and creditMr H complains that Debt Correct Limited mis-sold him a debt management plan (DMP) as it didn’t advise him that he could get free debt advice elsewhere and he’d like a refund of the fees he paid. Mr H is represented by a claims management company - but I’ll refer to... (2 pages)View decision -
Decision Reference DRN-4703627
27 Jun 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4703627 The complaint Ms K complains Nationwide Building Society is asking her to pay a joint debt in full. What happened Ms K was the victim of domestic abuse. Ms K’s ex-partner left the home, but Ms K continued to get letters from Nationwide, addressed to her and her ex-partner askin... (3 pages)View decision