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 72056 results
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Decision Reference DRN3046307
20 Jun 2013 Lloyds TSB Bank Plc UpheldBanking and creditThe three partners of a small, family business complain about the amount of money Lloyds TSB Bank Plc is seeking to recover from them.backgroundI issued my provisional decision in May 2013, a copy of which is attached and forms part of my final decision. My provisional decision set o... (3 pages)View decision -
Decision Reference DRN5218766
16 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMs R has complained that Bank of Scotland plc, trading as Halifax, is asking her to pay two credit card debts. She believes that her details have been changed without her consent which has led to the arrears.This complaint is related to another complaint Ms R ha... (2 pages)View decision -
Decision Reference DRN4514384
12 Jan 2016 NRAM plc Not upheldBanking and creditMr and Mrs W complain that NRAM plc mis-sold a secured loan to them.backgroundMr and Mrs W took out a secured loan in 2007 to repay unsecured debts. Mr W says the loan was not affordable or suitable. NRAM knew they had financial difficulties. It did not tell them to se... (2 pages)View decision -
Decision Reference DRN-1715934
15 Dec 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1715934 The complaint Mrs T complains that National Westminster Bank Plc (NatWest) is pursuing her for repayment of an overdraft from a business she isn’t involved with. She wants NatWest to contact her former business partner over the matter and there to be no impact on her credit rat... (3 pages)View decision -
Decision Reference DRN-4347629
13 Sep 2023 ReAssure Limited UpheldPensions and AnnuitiesDRN-4347629 The complaint Mr R complains that a company which is now part of ReAssure Limited (ReAssure) sent him a pension payment in error in 2017. But then told him in 2020 that the money wasn’t his. ReAssure asked Mr R to repay the money in September 2020. But after his solicitor sent ... (8 pages)View decision -
Decision Reference DRN3930946
27 May 2016 Cabot Financial (Europe) Limited Not upheldBanking and creditMrs J complains that she is being pursued by Cabot Financial (Europe) Limited for some credit card debts. Mrs J is being helped with her complaint by her husband.backgroundCabot sent letters to Mrs J in December, January and February about debts that she owed on three ... (1 page)View decision -
Decision Reference DRN9377079
12 Sep 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr Q complains that The Royal Bank of Scotland Plc is wrongly pursuing him for repayment of a debt.backgroundMr Q says that, in 2008, a loan of £7,000 was taken out by his late wife and he was the guarantor. He says that unknown to him, Mrs Q consolidated the loan in 2010 but he was u... (2 pages)View decision -
Decision Reference DRN6205095
26 Sep 2018 Clydesdale Bank Plc Not upheldBanking and creditMr B complains that Clydesdale Bank Plc sold his debt to an overseas company which isn’t regulated in the UK.backgroundMr B had a commercial real estate loan with Clydesdale which came to the end of its term in 2014.At that point, Clydesdale agreed to continue to all... (3 pages)View decision -
Decision Reference DRN8805560
11 Mar 2018 Arrow Global Limited Not upheldBanking and creditMr G complains that Arrow Global Limited holds inaccurate information about him and has pursued him for a debt which doesn’t exist.backgroundArrow Global purchased Mr G’s managed loan debt from HSBC. The balance at the date of purchase was £438.20.Mr G says that Arr... (2 pages)View decision -
Decision Reference DRN4524973
26 Nov 2015 Bank of Scotland Plc Not upheldBanking and creditMrs P complains that Bank of Scotland plc (trading as Halifax) is wrongly holding her liable for a credit card debt.backgroundHalifax pursued Mrs P – directly, and also through collection agents – in relation to a credit card debt. Mrs P says that, in spite of several... (3 pages)View decision
