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 71745 results
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Decision Reference DRN-5322571
24 Feb 2025 Bank of Scotland Plc Not upheldConsumer CreditDRN-5322571 The complaint Ms O complains that Bank of Scotland plc, trading as Halifax, hasn’t defaulted her two bank accounts, credit card account and loan account after she entered into a debt arrangement scheme. What happened I issued a provisional decision on this complaint last mon... (3 pages)View decision -
Decision Reference DRN0063536
26 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditMiss G complains that Barclays Bank UK PLC (“Barclays”) is pursuing her for repayment of a debt that she thinks is satisfied.backgroundMiss G has a bank account with Barclays. During 2015, she began to use her overdraft and go over the overdraft limit regularly. Ba... (3 pages)View decision -
Decision Reference DRN7478894
9 Sep 2015 OPOS Limited UpheldBanking and creditMr R has complained that OPOS Limited is unfairly pursuing him for a debt.background Around three years ago, Mr R took out a loan for £150 with another business. Ultimately, the debt, plus interest, was passed to OPOS. The debt stood at £1,181.50.Mr R feels he sh... (1 page)View decision -
Decision Reference DRN8100108
8 Mar 2016 MKDP LLP Not upheldBanking and creditMs H complains that MKDP LLP (MKDP) are chasing her for a debt which is still in dispute and are threatening her with legal action to recover the debt. She doesn’t accept she owes this amount.She wants MKDP to stop chasing her for the debt and return the debt to t... (2 pages)View decision -
Decision Reference DRN8076730
1 Apr 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr S complains that a credit agreement he has with The Royal Bank of Scotland Plc, trading as MINT, (“RBS”), is not enforceable. He also complains about RBS charges and communication in relation to his financial difficulty and debt. Mr S is represented in this complai... (3 pages)View decision -
Decision Reference DRN0993407
18 Dec 2015 Lowell Financial Ltd Not upheldBanking and creditMr W complains that Lowell Financial Ltd (Lowell) is pursuing him for debts which he says are not his. backgroundIn 2015, upon checking his credit file, Mr W said he became aware of entries relating to Lowell. He said he did not have any debts with Lowell and so h... (3 pages)View decision -
Decision Reference DRN5802693
25 Feb 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs G complain that The Royal Bank of Scotland Plc (“RBS”) is pursuing them for a liability that they believed had been dealt with in their bankruptcy.background Mr and Mrs G became bankrupt in 2010 and were discharged from bankruptcy in 2011. In 2012, RBS made demand on Mr and... (3 pages)View decision -
Decision Reference DRN9637614
14 Feb 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditMs S complains that The Royal Bank of Scotland Plc has unfairly refused her application for a further advance. She would like RBS to apologise and accept her application so that she can clear her outstanding debts and lower her monthly payment.backgroundIn 2007 Ms S’... (2 pages)View decision -
Decision Reference DRN2879303
12 Mar 2019 National Westminster Bank Plc UpheldBanking and creditMr H complains that National Westminster Bank Plc has not been reasonable when dealing with his business borrowing given his financial and personal difficulties. backgroundMr H took personal and business borrowing from NatWest. It’s written-off the personal debt but it ... (3 pages)View decision -
Decision Reference DRN2102426
3 Oct 2014 Black Horse Limited Not upheldPayment protection insurance (PPI)Mr W and Miss H’s complaint concerns two loans, one secured one unsecured taken with Black Horse Limited. They consider that the amount they repaid to a secured loan when settling it early was too high – and that Black Horse failed to properly explain the early settlement provisions or... (3 pages)View decision
