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 70502 results
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Decision Reference DRN9892382
16 Mar 2016 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr and Mrs M are unhappy with the way The Royal Bank of Scotland Plc (“RBS”) has used the compensation it agreed to pay them after they complained they’d been mis-sold payment protection insurance (“PPI”).backgroundI issued my provisional decision on this complaint in Fe... (4 pages)View decision -
Decision Reference DRN9909288
4 Jun 2014 Microcredit Limited UpheldBanking and creditMiss A complains about the way that Microcredit Limited (trading as MiniCredit.co.uk) has dealt with her financial difficulties.backgroundMiss A took out a loan from MiniCredit in November 2012 for £100 which was repayable the following month. She deferred payment of it twice. She conta... (2 pages)View decision -
Decision Reference DRN9363089
30 Jan 2015 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr J’s complaint is about how The Royal Bank of Scotland Plc (RBS) used the compensation it offered to settle his complaint about a payment protection insurance (PPI) policy taken out with a credit card. Mr J wants RBS to pay all the compensation directly to him.backgroundMr J complaine... (4 pages)View decision -
Decision Reference DRN-3423665
16 May 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3423665 The complaint Mrs L and Mr L complain about National Westminster Bank Plc (NWB) and the decision to pass their defaulted accounts to a debt collection agent. What happened Mrs L and Mr L held accounts with NWB for several years. But they struggled to manage these accounts due t... (3 pages)View decision -
Decision Reference DRN5657713
6 Jan 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditMr W complains that The Royal Bank of Scotland Plc (“RBS”) shouldn’t have given him a loan. He says his personal circumstances meant that it was inappropriate – the bank acted irresponsibly when it granted him the loan.backgroundMr W says he contacted RBS in January 2018 to ask if it would... (3 pages)View decision -
Decision Reference DRN1170710
16 Aug 2017 AKINIKA DEBT RECOVERY LIMITED Not upheldBanking and creditMr B complains that he is being pursued by Akinika Debt Recovery Limited in respect of a debt which isn’t his.backgroundMr B is unhappy about correspondence which he has received from Akinika. He says that the debt isn’t his and he wants Akinika to stop contacting ... (2 pages)View decision -
Decision Reference DRN9570815
30 Apr 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMs F complains that Capquest Debt Recovery Limited (Capquest) has recorded incorrect information on her credit file.backgroundMs F had a mail order debt with a third party that was sold to Capquest. Ms F has explained that the debt is unenforceable and so Capquest sh... (2 pages)View decision -
Decision Reference DRN2809446
12 Mar 2015 Lloyds Bank PLC Not upheldBanking and creditMr A complains that Lloyds Bank plc wrongly held him liable for a loan taken out in his name by his former partner.backgroundMr A held a joint Lloyds current account with his partner, Ms B. Following an online loan application, Lloyds granted a loan in Mr A’s name and the proceeds of the... (2 pages)View decision -
Decision Reference DRN9529343
9 Apr 2014 Marks & Spencer Financial Services plc Not upheldBanking and creditMrs T complains that Marks & Spencer Financial Services Plc trading as M&S Bank did not treat her positively and sympathetically when she told it she was in financial difficulties with debt on her credit card account. She believes it misled her about the options available to her.... (2 pages)View decision -
Decision Reference DRN-3073023
28 Sep 2021 Lloyds Bank PLC UpheldBanking and PaymentsDRN-3073023 The complaint Mr C complains that (Lloyds) defaulted his overdraft and sold the debt to a debt collection agency. What happened Mr C transferred his account from Lloyds to another bank in February 2020. The balance was then £2,002.80 debit. He repaid £1,000 on 27 February 2020,... (4 pages)View decision
