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 DRN0952700
7 Jul 2015 HSBC Bank plc UpheldBanking and creditMr S complains about the way that HSBC Bank plc has dealt with him in his capacity as guarantor for a company debt. He’s particularly unhappy that HSBC won’t re-open the company account and reinstate the overdraft. He’d like us to order the bank to do that.background... (2 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 DRN2294012
29 Sep 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr W complains that Cabot Credit Management Group Limited registered information on his credit file which he thinks it was not entitled to do.He asks that it stops putting “default notices” of his credit file, removes those that are there already and pay him reasonabl... (3 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 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 -
Decision Reference DRN-2794034
18 May 2021 Intrum UK Limited Not upheldBanking and PaymentsDRN-2794034 The complaint Mrs R complains that Intrum UK Limited is chasing her for repayment of an alleged debt which she believes is unenforceable. She says it hasn’t supplied her with a copy of a regulated credit agreement she requested. She wants Intrum to stop its collection activitie... (3 pages)View decision -
Decision Reference DRN-4723554
21 Jun 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4723554 The complaint Mr M complains HSBC UK Bank Plc (“HSBC”) closed his personal accounts and did so without explanation. He also complains that HSBC are incorrectly holding him liable for debts on two of these accounts which has adversely affected his credit file. Mr M says HSBC’s a... (4 pages)View decision -
Decision Reference DRN3459367
27 Mar 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs G complain that Lloyds Bank plc (previously Lloyds TSB Bank plc) wrongly retained the residual sale proceeds of their property in reduction of Mrs G’s business debt. backgroundMr and Mrs G signed a mortgage deed over a property that they owned, which gave Lloyds a second... (2 pages)View decision -
Decision Reference DRN-3233584
15 Mar 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3233584 The complaint Mr B complains that Bank of Scotland Plc, trading as Halifax, is holding him liable to repay two credit card debts that he says he never applied for. Background Mr B has explained that, after splitting from his wife, he had a meeting with his bank who provide his ... (3 pages)View decision
