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 DRN2088887
31 Dec 2019 Link Financial Outsourcing Limited Not upheldBanking and creditMr P complains that Link Financial Outsourcing Limited (“Link”) are chasing him for a debt despite him having paid everything that was due.backgroundMr P was financing a car through an agreement with a company I will call “F”. The lease came to an end in September 2016 and Mr P returned hi... (2 pages)View decision -
Decision Reference DRN-5178491
12 Dec 2024 Santander UK Plc UpheldBanking and PaymentsDRN-5178491 The complaint Miss S complains Santander UK Plc (“Santander”) closed her account after 30 days’ notice in December 2023 because of a fraud marker which had incorrectly been registered against her by another bank in 2021. Miss S is also unhappy Santander demanded full payment... (6 pages)View decision -
Decision Reference DRN0952720
11 Apr 2016 MBNA Limited UpheldBanking and creditMiss B complains about the way MBNA Limited (MBNA) dealt with her credit card account when she was in financial difficulties. In particular she complains that MBNA registered a default on her credit file when she was still making payments and they were aware of her... (7 pages)View decision -
Decision Reference DRN1042585
4 Oct 2018 Cheltenham & Gloucester plc Not upheldBanking and creditMr and Mrs S complain that Cheltenham & Gloucester plc (“C & G”) mis-sold them further advances under their mortgage to them when this wasn’t suitable to meet their needs. They want matters put right. backgroundMr and Mrs S had an interest only mortgage with ... (2 pages)View decision -
Decision Reference DRN9472665
28 May 2015 Lloyds Bank PLC Not upheldBanking and creditMrs P complains that Lloyds Bank plc can’t show her the original contracts she signed when opening her accounts.backgroundMrs P says that Lloyds should be able to show her the original contracts she signed when she opened her accounts. She says that if Lloyds can’t ... (2 pages)View decision -
Decision Reference DRN2373784
7 Nov 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs W complain that Lloyds Bank PLC mis-sold a business loan to them. They ask that the loan is written off.backgroundIn 2005 Mr and Mrs W were in financial difficulties. They asked Lloyds for a business loan to repay personal and business debts and provide working capital for... (2 pages)View decision -
Decision Reference DRN-3822310
20 Feb 2023 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-3822310 The complaint Mr H has complained about The Royal Bank of Scotland Plc (RBS) using redress from a mis-sold payment protection insurance (PPI) policy to repay a debt, on the basis that the debt was written off in a sequestration. What happened Mr H, in his capacity as a sole tra... (3 pages)View decision -
Decision Reference DRN1757961
29 Sep 2016 Baines & Ernst Limited Not upheldBanking and creditMrs B complains that Baines & Ernst Limited (“BEL”) hadn’t provided her with satisfactory advice about her debt management plan (“DMP”). The complaint is brought to this service on Mrs B’s behalf by a claims management company (“CMC”). But for ease, I shall refe... (2 pages)View decision -
Decision Reference DRN2772360
11 Nov 2014 National Westminster Bank Plc Not upheldBanking and creditMr D complains about the way in which National Westminster Bank plc has handled his loan and current accounts during a period of financial difficulty.backgroundMr D has explained that he found himself unable to meet loan repayments following a dispute with his business partners; they ha... (3 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
