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 74313 results
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Decision Reference DRN-3344029
1 Mar 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3344029 The complaint Mr M complains that National Westminster Bank Plc (NatWest) marked his credit file with missed payments for his personal loan and transferred his current account debt and personal loan to a debt collection agency (DCA). What happened Mr M had a current account and... (5 pages)View decision -
Decision Reference DRN0487623
17 Mar 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs B complain that The Royal Bank of Scotland Plc (“RBS”) cannot provide them with a copy of the loan they entered with it in 2005. They say the debt is therefore not enforceable and would like it written off.backgroundMr and Mrs B say they held a loan wi... (2 pages)View decision -
Decision Reference DRN-3678794
9 Sep 2022 Creation Financial Services Limited UpheldConsumer CreditDRN-3678794 The complaint Mr M complains about the information about his credit card account that Creation Financial Services Limited has recorded on his credit file. What happened I issued a provisional decision on this complaint in August 2022 in which I described what had happened as fo... (3 pages)View decision -
Decision Reference DRN-5704643
2 Oct 2025 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-5704643 The complaint Mr J complains Link Financial Outsourcing Limited haven’t proven he owes a debt they’re asking him to repay. What happened A credit card debt was held by a company I’ll refer to as N. They sold the debt to a debt purchaser (DP) who asked Link to service the deb... (4 pages)View decision -
Decision Reference DRN1723920
6 Nov 2013 The Royal Bank of Scotland Plc UpheldBanking and creditMr and Mrs D complain that The Royal Bank of Scotland plc is seeking to enforce a personal guarantee against them. backgroundMr and Mrs D signed a personal guarantee in April 2007, relating to the debts of a company. The guarantee was secured by a charge on their home. The charge was re... (2 pages)View decision -
Decision Reference DRN-2559793
17 Mar 2021 National Westminster Bank Plc UpheldBanking and PaymentsDRN-2559793 The complaint D complains about National Westminster Bank Plc (“NatWest”) for its decision to deny his business account longer forbearance on an overdraft debt and its decision to transfer the account to debt recovery. D wants the account to remain out of debt recovery and for ... (3 pages)View decision -
Decision Reference DRN5274752
3 Dec 2015 Barclays Bank Plc Not upheldBanking and creditMr E complains Barclays Bank Plc recorded default information on his credit file about his personal and business accounts. He thinks it gave him vague information and didn’t advise him properly about his business debts.backgroundMr E told us Barclays dealt with his ... (3 pages)View decision -
Decision Reference DRN5242118
19 Feb 2019 Lloyds Bank PLC Not upheldBanking and creditMr M brings this complaint as Administrator of the estate of his late wife, Mrs M, who died (without leaving a will) in 2007. I understand that Mr M is the sole beneficiary of the estate. At the time of her death Mrs M had a mortgage with Lloyds Bank PLC (trading... (2 pages)View decision -
Decision Reference DRN9214599
14 Dec 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMs L has a number of concerns about the way that The Royal Bank of Scotland Plc (RBS) treated her, including closing her current account. Ms L wants RBS to pay her compensation. backgroundMs L opened a student account with RBS in 1998. She went on to upgrade this a... (3 pages)View decision -
Decision Reference DRN0968847
5 May 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd (the business) did not carry out sufficient due diligence before pursuing him for a debt that wasn’t his. backgroundMr C says that the business did not undertake due diligence on a debt it received from another entity. He say... (3 pages)View decision
