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 74365 results
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Decision Reference DRN-4182841
30 Aug 2023 Bank of Scotland Plc Not upheldMortgagesDRN-4182841 The complaint Mr and Mrs T complain that Bank of Scotland plc (trading as Halifax) treated them unfairly and caused delays. They say this resulted in them having a larger shortfall debt after their property was acquired by their local council. They ask that the shortfall debt i... (3 pages)View decision -
Decision Reference DRN2396142
22 Aug 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr V complains that The Royal Bank of Scotland Plc has inappropriately registered adverse information about him on his credit file. He says that the loan should not have been sold by the bank to a third party.backgroundMr V took the loan in October 2008 and the amount borrowed included ... (3 pages)View decision -
Decision Reference DRN-5563997
27 May 2025 Bank of Scotland Plc Not upheldConsumer CreditDRN-5563997 The complaint Mrs L complains that Bank of Scotland plc trading as Halifax has acted unfairly by selling an outstanding debt in her name. What happened Mrs L had an outstanding loan with Halifax. Due to her personal circumstances, Halifax agreed a reduced repayment plan. Mrs... (2 pages)View decision -
Decision Reference DRN1600770
10 Oct 2017 Santander UK Plc UpheldBanking and creditMr A complains that Santander UK Plc didn’t actively pursue him for a debt for three years. He says this meant he didn’t have an opportunity to repay it under his debt management plan (DMP).backgroundMr A took out a loan in 2009 for £8,000 with Santander. The account fel... (2 pages)View decision -
Decision Reference DRN-3904057
27 Jan 2023 Oplo PL Ltd UpheldConsumer CreditDRN-3904057 Complaint Mrs J has complained that Oplo PL Ltd (“Oplo”), amongst other things, unfairly continued adding interest, fees and charges to her loan after she lost her job and went into a debt management plan. Background Oplo provided Mrs J with a loan for £10,000.00 in May 2017. T... (7 pages)View decision -
Decision Reference DRN8614774
23 Oct 2018 Link Financial Outsourcing Limited UpheldBanking and creditMrs W complains that Link Financial Outsourcing Limited (Link Financial) is ng her to make payments towards her outstanding debt which she cannot afford.backgroundMrs W entered into a hire purchase agreement (HPA) in 2007 to acquire a car. She then entered financial d... (2 pages)View decision -
Decision Reference DRN4030464
4 Oct 2018 The Co-operative Bank Plc UpheldBanking and creditMs A complains about a default that The Co-operative Bank Plc (“Co-op”) has registered on her credit file. background Ms A said that her ex-husband had run up debt on their joint Co-op credit card, and he had agreed to pay it off. She considered it his debt, and she... (3 pages)View decision -
Decision Reference DRN-2002032
10 Aug 2020 Elderbridge Limited Not upheldMortgagesDRN-2002032The complaintMr W is unhappy that Elderbridge Limited won’t remove a charge from the title of a property he owns. He believes the secured loan the charge was associated with was written-off by the original lender, or can’t be pursued by it, and so the charge should be removed. W... (3 pages)View decision -
Decision Reference DRN0708829
19 Jan 2017 Express Gifts Ltd Not upheldBanking and creditMr M complains that Express Gifts Ltd: wrongly accused him of deliberately increasing his debt to Express Gifts knowing that he was about to take out a trust deed limiting the amount he would have to repay his creditors; and won’t include all his debt to Express... (3 pages)View decision -
Decision Reference DRN3122298
3 Apr 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs M complain that Legal & General Partnership Services Limited mis-sold them a mortgage. In particular, they complain that the advice to re-mortgage when they would incur an early repayment charge (ERC) on their existing mortgage and to consolidate their uns... (2 pages)View decision
