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 77095 results
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Decision Reference DRN8076730
1 Apr 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr S complains that a credit agreement he has with The Royal Bank of Scotland Plc, trading as MINT, (“RBS”), is not enforceable. He also complains about RBS charges and communication in relation to his financial difficulty and debt. Mr S is represented in this complai... (3 pages)View decision -
Decision Reference DRN3691444
6 Mar 2014 Robinson Way Limited UpheldBanking and creditMrs D complains that Robinson Way Limited is asking her to pay a debt that she does not owe. Mrs D wants Robinson Way to apologise and pay her compensation for the distress and inconvenience she has suffered.backgroundMrs D says that she received a letter from Robinson Way in 2013 and co... (1 page)View decision -
Decision Reference DRN6137794
9 Jan 2019 National Westminster Bank Plc Not upheldBanking and creditMr B is unhappy with National Westminster Bank Plc’s decision to close his account. He’s also unhappy they transferred his debt to a debt collection agency on the closure of the account. And Mr B feels Nat West discriminated against him due to his race.backgroundMr B... (2 pages)View decision -
Decision Reference DRN7478894
9 Sep 2015 OPOS Limited UpheldBanking and creditMr R has complained that OPOS Limited is unfairly pursuing him for a debt.background Around three years ago, Mr R took out a loan for £150 with another business. Ultimately, the debt, plus interest, was passed to OPOS. The debt stood at £1,181.50.Mr R feels he sh... (1 page)View decision -
Decision Reference DRN-4815131
26 Jul 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4815131 The complaint Mr M complains Monzo Bank Ltd unfairly defaulted an overdraft debt and are reporting this to credit reference agencies. Mr M is also unhappy with the level of customer service he received from Monzo. What happened Mr M held a bank account with an overdraft fac... (5 pages)View decision -
Decision Reference DRN2879303
12 Mar 2019 National Westminster Bank Plc UpheldBanking and creditMr H complains that National Westminster Bank Plc has not been reasonable when dealing with his business borrowing given his financial and personal difficulties. backgroundMr H took personal and business borrowing from NatWest. It’s written-off the personal debt but it ... (3 pages)View decision -
Decision Reference DRN1635775
18 Feb 2015 Santander UK Plc Not upheldPayment protection insurance (PPI)Mr and Mrs J’s complaint is about the compensation Santander UK Plc (Santander) offered to settle their complaint about a payment protection insurance (PPI) policy taken out with a loan. backgroundMr and Mrs J complained in 2011 to Santander about the sale of a PPI policy associated ... (4 pages)View decision -
Decision Reference DRN-2985467
21 Oct 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2985467 The complaint Mrs R complains that Barclays Bank UK PLC trading as Barclaycard were not clear with her regarding what would happen with her outstanding balance when her account defaulted and poor customer service. Mrs R is represented by her husband in bringing this complaint. ... (3 pages)View decision -
Decision Reference DRN-4422912
15 Nov 2023 Equifax Limited Not upheldConsumer CreditDRN-4422912 The complaint Mr E complains about an entry on his Equifax Limited credit file. What happened Earlier this year, Mr E contacted Equifax and raised concerns about an entry on his credit file. Mr E explained a defaulted credit card debt reported by a business I’ll refer to as C w... (2 pages)View decision -
Decision Reference DRN0656040
6 Aug 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr Q complains that The Royal Bank of Scotland Plc did not renew his overdraft facility. He asks that he is given the chance to repay the overdraft gradually at the same interest rate.backgroundMr Q had a business account with an overdraft facility with RBS. Mr Q’s business was affected b... (1 page)View decision