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 74386 results
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Decision Reference DRN6845957
16 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMiss N complains about a debt reduction agreement that she took out with NEO Media Solutions Limited, trading as One Debt Solution. She complains that it did not pay any money to her creditor and that it did not respond to her concerns satisfactorily.backgroundMiss N entered into a deb... (2 pages)View decision -
Decision Reference DRN9696606
31 Dec 2014 HSBC Bank plc Not upheldBanking and creditMr and Mrs E complain that HSBC Bank Plc gave them incorrect and conflicting information about whether their mortgage was outstanding and the amount they owe. It harassed them for payment over five years.background Mr and Mrs E took out an interest only mortgage with HSBC in 1989. In 200... (2 pages)View decision -
Decision Reference DRN7643146
15 Dec 2015 TSB Bank plc Not upheldBanking and creditMr and Mrs W are unhappy that TSB Bank plc hasn’t kept them up-to-date with what’s been happening on their current account and has shared their details with a third party without their permission. backgroundIn 2013 Mr and Mrs W’s debit interest was added to their ... (3 pages)View decision -
Decision Reference DRN-1576588
10 Sep 2020 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1576588The complaintMr M is unhappy with how Bank of Scotland trading as Halifax (Halifax) is displaying information on his credit file. What happenedMr M experienced financial difficulty and entered into a Debt Arrangement Scheme (DAS). Once the DAS was finished Mr M discovered that s... (2 pages)View decision -
Decision Reference DRN5918366
31 May 2019 TSB Bank plc Not upheldBanking and creditMr M complains that TSB Bank plc (TSB) won’t write off his outstanding credit card debt. He says because of his health issues he’s unlikely to ever be in a position to pay the debt off.backgroundThe background to this complaint, and my initial conclusions, were set... (6 pages)View decision -
Decision Reference DRN1619763
16 Jan 2014 National Westminster Bank Plc Not upheldBanking and creditMrs D complains that National Westminster Bank Plc is asking her to repay a debt she does not owe. She asks that the debt is written off.backgroundMrs D says she did not agree to take out a loan with NatWest and did not receive the money. She says she has been paying off a loan she doe... (1 page)View decision -
Decision Reference DRN-5155337
19 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155337 The complaint Ms L complains that NewDay Ltd (NDay) lent to her irresponsibly. What happened In March 2016, NDay agreed to give a credit card to Ms L, and then offered and applied increases in the limit as shown: Limit increase number Date Limit March 2016 (new account) £30... (4 pages)View decision -
Decision Reference DRN-4207331
12 Jul 2023 Wescot Credit Services Limited UpheldConsumer CreditDRN-4207331 The complaint Mr B has complained that Wescot Credit Services Limited sent him the wrong settlement figures. What happened Both sides are most familiar with the case, so I’ll summarise things in brief. Wescot were acting as debt collectors for two debts that Mr B owed. Mr B off... (2 pages)View decision -
Decision Reference DRN6346634
2 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMr D complains that Lloyds Bank PLC acted under false pretences to convince him to sign an increased guarantee for the debts of two companies where he was a director. He wants the bank to agree to accept a lower figure in settlement of his liability under the guarantees.backgroundMr D w... (2 pages)View decision -
Decision Reference DRN5854670
2 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMr B complains that Lloyds Bank PLC acted under false pretences to convince him to sign an increased guarantee for the debts of two companies where he was a director. He wants the bank to agree to accept a lower figure in settlement of his liability under the guarantees.backgroundMr B w... (2 pages)View decision
