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 69710 results
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Decision Reference DRN6035950
29 Apr 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs F met with an appointed representative of L&G in 2005 when the fixed rate period on their cur... (3 pages)View decision -
Decision Reference DRN6577926
5 Aug 2014 Barclays Bank Plc Not upheldBanking and creditMrs C complains that Barclays Bank PLC, trading as Barclaycard, will not accept her settlement proposal for the credit card debt that she owes to it. She is being helped with her complaint by her father-in-law.backgroundMrs C had a credit card debt to Barclaycard that she was unable t... (2 pages)View decision -
Decision Reference DRN3033463
25 Mar 2014 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank plc has not treated he and his ex-business partner equally in collecting their outstanding partnership debt. He wants the bank to agree that he is not liable for the repayment of the remaining debt. backgroundMr G and another person were partners in a busin... (2 pages)View decision -
Decision Reference DRN8924945
15 Feb 2017 Kapama Limited UpheldBanking and creditMs C complains that Kapama Limited required her to repay too much towards her loan after it defaulted.backgroundIn 2012 Ms C borrowed £100 from a payday lender. She failed to repay the debt, and the lender added fees and interest until the debt increased to over £1,000.... (3 pages)View decision -
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 DRN6221145
16 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMs D complains that, in spite of making substantial repayments, she has been unable to clear her credit card debts because of excessive interest charged by National Westminster Bank plc.backgroundMs D has two credit card accounts with NatWest. She says that she ran u... (3 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 DRN3748277
2 Jul 2013 HSBC Bank plc UpheldPayment protection insurance (PPI)summary of complaintThis complaint concerns two single premium payment protection insurance (PPI) policies purchased in connection with two unsecured loans obtained in 2001 and 2005 with HSBC Bank Plc.background to complaintMiss A purchased two single premium PPI policies in connection ... (3 pages)View decision -
Decision Reference DRN-3946834
21 Apr 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3946834 The complaint Mr O complains that Bank of Scotland plc, trading as Halifax (BoS) passed his credit card debt to a third-party to manage the debt, while he had an arrangement to repay the balance to BoS. What happened Mr O says that in 2016, he made an arrangement with BoS to re... (3 pages)View decision -
Decision Reference DRN2925992
21 Jul 2016 Moneyplus Group Limited Not upheldBanking and creditMr K complains that MoneyPlus Group Limited, (“MGL”), didn’t act fairly when it took over his debt management plan in August 2014. The complaint is brought to this service on Mr K’s behalf by a claims management company. But for ease, I shall refer below to all acti... (3 pages)View decision
