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 70661 results
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Decision Reference DRN4001310
1 Feb 2018 Lloyds Bank PLC Not upheldBanking and creditMr W complains about the way Lloyds Bank PLC (Lloyds) has dealt with his current account. backgroundMr W complains about three key areas. These are set out below. To put things right, Mr W wants an apology and compensation from Lloyds.current account debt Mr W says Lloyds told him in 2014 ... (3 pages)View decision -
Decision Reference DRN5035634
12 Feb 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland plc (RBS) put a charge on his property. He doesn’t believe it should have done so as he was in the process of setting up a trust deed at the time. Mr M would like the charge taken off his property.backgroundMr M says i... (3 pages)View decision -
Decision Reference DRN6194037
11 Jul 2016 NRAM plc Not upheldBanking and creditMrs W complains that NRAM plc has refused to give her anything to show that it has contacted her ex-partner about contributing towards the debt he holds in joint names with her.Mrs W says that for the last 7 years she had been paying their mortgage on my own and ... (2 pages)View decision -
Decision Reference DRN3402373
26 Mar 2015 WorldPay (UK) Limited Not upheldBanking and creditMiss Q complains that WorldPay (UK) Limited has unfairly asked her to pay arrears that she had not realised had accrued. background Miss Q had a merchant facility with WorldPay for her business. WorldPay says that, after initially collecting the monthly charges under a ... (2 pages)View decision -
Decision Reference DRN1600569
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMrs J complains that she was given poor advice by an authorised representative of Legal & General Partnership Services Limited (L&G) when she re-mortgaged her house in 2005. Mrs J, who is represented by a claims management company (CMC), says this advice means s... (3 pages)View decision -
Decision Reference DRN5455430
18 Oct 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Mr B is complaining that HSBC Bank Plc (HSBC) mis-sold him a payment protection insurance (PPI) policy. He’s unhappy that it’s used the compensation it offered to reduce a debt.backgroundMr B took out a PPI policy alongside a credit card. Mr B complained to HSBC that ... (2 pages)View decision -
Decision Reference DRN-3214100
15 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3214100 The complaint Mr B complained about Barclays Bank UK PLC. He’d been a victim of identity theft, with a fraudulent Barclays account set up in his name, and a debt incurred on it. Barclays said it had closed the fraudulent account, but around 18 months later, Mr B was contacted a... (4 pages)View decision -
Decision Reference DRN-4619746
26 Nov 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4619746 The complaint Mr M is unhappy with Bank of Scotland plc, trading as Halifax’s (Halifax) handling of his overdraft debt. Mr M says Halifax used the wrong date for reporting the default to the Credit Reference Agencies (CRAs) and has expressed concerns about the sale of the de... (4 pages)View decision -
Decision Reference DRN-5388368
13 Mar 2025 ACI-UK LIMITED Not upheldConsumer CreditDRN-5388368 The complaint Mr A complains that ACI-UK LIMITED (ACI) are chasing him for a debt they’ve been unable to evidence legal ownership of. He also complains that ACI registered a default on his credit file in 2022, for a debt that allegedly defaulted in 2018. What happened I issu... (5 pages)View decision -
Decision Reference DRN1723920
6 Nov 2013 The Royal Bank of Scotland Plc UpheldBanking and creditMr and Mrs D complain that The Royal Bank of Scotland plc is seeking to enforce a personal guarantee against them. backgroundMr and Mrs D signed a personal guarantee in April 2007, relating to the debts of a company. The guarantee was secured by a charge on their home. The charge was re... (2 pages)View decision
