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 71923 results
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Decision Reference DRN0575500
23 May 2013 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank Plc acted improperly in relation to his loan application, by insisting on his HSBC credit card balances being repaid from the proceeds as a condition of the loan and not making sufficient enquiries of his other creditors. He seeks a refund of the amoun... (2 pages)View decision -
Decision Reference DRN6045038
27 Mar 2014 National Westminster Bank Plc Not upheldBanking and creditMiss M complains about the way National Westminster Bank Plc (“NatWest”) managed her accounts and that it registered defaults on her credit file.backgroundMiss M had a joint account with her partner. After their separation, Miss M told the bank about this. The account was overdrawn at ... (2 pages)View decision -
Decision Reference DRN7041279
19 Mar 2014 123 Debt Solutions Ltd UpheldBanking and creditMr T complains that 123 Debt Solutions Ltd reduced his payments to one of his creditors, which he believes led the creditor to obtain a charging order against his property.background Mr T entered into a debt management plan with 123 Debt Solutions in around December 2011. In Septembe... (4 pages)View decision -
Decision Reference DRN7105834
23 Oct 2015 Sigma SPV2 Limited Not upheldBanking and creditMr B complains that Sigma SPV2 Limited (Sigma) is pursuing him for debt he says isn’t his. And he’s unhappy with the information that has been recorded on his credit file about the debt.backgroundMr B says Sigma hasn’t provided him with a copy of the agreement he... (2 pages)View decision -
Decision Reference DRN6495127
28 Jan 2015 Nationwide Building Society Not upheldInsurance (excluding PPI)Mr C complains about a debt on his mortgage account as a result of payments being taken by Nationwide Building Society to cover the monthly premiums for his contents insurance policy.background Mr C had a mortgage account with Nationwide as well as a home insurance policy. The monthly p... (3 pages)View decision -
Decision Reference DRN-1773946
4 Nov 2020 Paragon Finance Plc Not upheldConsumer CreditDRN-1773946 The complaint Mr R complains that Paragon Finance PLC trading as Idem Servicing (Idem) is unfairly pursuing him to repay a debt it acquired from another business in 2013. What happened Idem says it acquired a debt in Mr R’s name in relation to a closed overdraft in March 2013. ... (3 pages)View decision -
Decision Reference DRN6592781
7 Feb 2018 Kapama Limited Not upheldBanking and creditMiss H complains, in summary, that Kapama Limited acted unfairly by not contacting her about a debt which she now cannot afford to repay.backgroundMiss H took out a loan with a company (“C”) in February 2012 for £150 which was to be repaid in April 2012. But Miss H... (2 pages)View decision -
Decision Reference DRN3905100
27 Sep 2013 Clydesdale Bank Plc UpheldBanking and creditMr and Mrs M complain that Clydesdale Bank PLC has unfairly registered a default against their credit files that resulted from errors it had made with their current account.backgroundMr and Mrs M had a mortgage with Clydesdale that included a current account. This account provided a ... (3 pages)View decision -
Decision Reference DRN6917215
2 Jul 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Ms M complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr and Ms M remortgaged, acting on advice from L&G. At the time, they had two credit cards, a loan and an overdra... (2 pages)View decision -
Decision Reference DRN-5491884
18 Jul 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5491884 The complaint Mrs B complains about how Nationwide Building Society treated her in relation to her credit card account that was in persistent debt. What happened Mrs B says she has been in persistent debt with her Nationwide credit card since 2015. The balance she owes has ... (4 pages)View decision
