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 DRN-5278474
22 Jan 2025 Southern Pacific Mortgage Limited UpheldMortgagesDRN-5278474 The complaint Mr L complains that Southern Pacific Mortgage Limited (SPML) took payments from him in respect of a mortgage after he had been discharged from bankruptcy, and that it reported missed payments to his credit file. What happened Mr L took out a mortgage with SPML ... (4 pages)View decision -
Decision Reference DRN-4150693
13 May 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4150693 The complaint Mr O complains National Westminster Bank Plc (“NatWest”) closed his accounts without explanation. Mr O also complains NatWest failed to properly support him in paying off his overdraft debt and registered a default against him. Mr O wants compensation for the dist... (4 pages)View decision -
Decision Reference DRN7958800
30 Sep 2016 Butler-Do Ltd Not upheldBanking and creditMs R and her representative are unhappy about the advice she was given by Butler-Do Ltd to enter into a debt management plan. They say it was mis-sold to her and wasn’t the appropriate solution for her situation. She wasn’t told of other free similar services. She... (2 pages)View decision -
Decision Reference DRN-2574368
25 Mar 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2574368 The complaint Mr V complains that a default was registered by National Westminster Bank Plc (NatWest) What happened Mr V had an account from NatWest since 2006 when he was a student. In October 2017, his balance was £1089.76 debit. A default notice was issued, and a default reg... (2 pages)View decision -
Decision Reference DRN-4395944
20 Oct 2023 Vodafone Limited Not upheldConsumer CreditDRN-4395944 The complaint Mr M has complained that Vodafone Limited recorded a default on his credit file in relation to a fixed sum loan agreement he’d taken out to buy a phone. What happened The circumstances of the complaint are well known to both parties. So I’m not going to cover off ... (3 pages)View decision -
Decision Reference DRN-3467683
27 May 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3467683 The complaint W is a limited company of which Mr C is a director. He brings the complaint on W’s behalf. The complaint is that National Westminster Bank Plc (NatWest) has debited the company account without the proper authority to do so. What happened A cheque for £8,336.62 was... (3 pages)View decision -
Decision Reference DRN2538702
6 May 2014 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs G complain that National Westminster Bank Plc has not sent them any correspondence about their outstanding debt to it and say that the debt should be written off.backgroundMr and Mrs G had a mortgage account and a separate personal account with NatWest. They owed money t... (2 pages)View decision -
Decision Reference DRN-5024638
3 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5024638 The complaint Mr G complains that National Westminster Bank Plc led him to believe that his debts had been consolidated into one account, when they had not been, and that as a result he unexpectedly still owes a substantial debt. What happened Mr G had a mortgage, a personal... (3 pages)View decision -
Decision Reference DRN0605211
8 Apr 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr and Mrs J complain that Link Financial Outsourcing Limited has treated them unfairly since it took over their debt from another company when they found themselves in financial difficulties. In particular they complain because it’s increased the debt significantl... (2 pages)View decision -
Decision Reference DRN-2125967
14 Oct 2020 Bank of Scotland Plc Not upheldMortgagesDRN-2125967 The complaint Mr and Mrs F have complained that Bank of Scotland plc (trading as Halifax) is asking them to pay a shortfall debt following the sale of their property after they handed back the keys. To settle the complaint they want the debt written off and for Halifax to stop ... (3 pages)View decision
