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 74313 results
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Decision Reference DRN6885824
11 Jun 2020 Tesco Personal Finance PLC UpheldBanking and creditMr W complains Tesco Personal Finance PLC is unfairly holding him liable for a loan which he didn’t apply for.backgroundIn June 2016, Tesco approved a loan for £20,000 in the name of Mr W. The money was paid into a joint account – held at the time by Mr W and his wife. Days later, the fu... (2 pages)View decision -
Decision Reference DRN3356263
15 Feb 2019 Santander UK Plc Not upheldBanking and creditMs G complains about a county court judgement relating to money owed to Santander UK Plc (“Santander”) as she has no relationship with them.backgroundMs G came to us as she was unhappy with Santander’s response to her complaint that she never had an account with them ... (2 pages)View decision -
Decision Reference DRN1222887
9 Dec 2019 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs H complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr and Mrs H already had a mortgage. They were coming to the end of an interest rate product. They took advice from L&G, and re-mortgaged to ... (2 pages)View decision -
Decision Reference DRN-3052123
23 Nov 2021 John Lewis Financial Services Limited Not upheldBanking and PaymentsDRN-3052123 The complaint Mr K complains John Lewis Financial Services Limited (“John Lewis”) delayed in communicating with him about a balance on his credit card account. What happened Mr K brought his complaint to us after he’d been contacted by John Lewis in January 2021 informing him h... (3 pages)View decision -
Decision Reference DRN-3626649
15 Aug 2022 PayPal (Europe) Sarl et Cie SCA UpheldBanking and PaymentsDRN-3626649 The complaint Mr B complains that PayPal (Europe) Sarl et Cie SCA failed to properly administer his account, allowing unauthorised transactions to be made which adversely affected his credit rating. What happened Mr B was plagued with calls from persons he believes were trying ... (3 pages)View decision -
Decision Reference DRN8454617
18 Dec 2013 Barclays Bank Plc Not upheldBanking and creditMrs K complains that Barclays Bank PLC, trading as Barclaycard, allowed her to borrow money she could not afford to repay and failed to deal appropriately with her request for assistance during a period of financial difficulty. She wants Barclaycard to retain the debt, cancel rolled up ... (3 pages)View decision -
Decision Reference DRN4386754
30 Sep 2014 Wage payment and Payday Loans Limited UpheldBanking and creditMr A and his representative complain that Wage payment and Payday Loans Limited should not have approved his loan application due to his financial difficulties as it was unaffordable.backgroundMr A applied for a loan with WPPL. He provided it with information about his income and outgoi... (1 page)View decision -
Decision Reference DRN0527385
22 Nov 2016 Gregory Pennington Limited Not upheldBanking and creditMr S, represented by a claims management company (CMC), complains that he was not told about the availability of free debt services while he had a debt management plan (DMP) with Gregory Pennington Limited (the business).backgroundMr S entered into a DMP with the busine... (2 pages)View decision -
Decision Reference DRN0214615
10 Oct 2017 Bank of Scotland Plc Not upheldBanking and creditMr M has complained Bank of Scotland plc, trading as Halifax, keeps sending him letters requiring him to pay a disputed debt on his credit card. He believes this is harassment.backgroundMr M disputed a payment on his Halifax credit card account. He wasn’t willing to di... (2 pages)View decision -
Decision Reference DRN0708829
19 Jan 2017 Express Gifts Ltd Not upheldBanking and creditMr M complains that Express Gifts Ltd: wrongly accused him of deliberately increasing his debt to Express Gifts knowing that he was about to take out a trust deed limiting the amount he would have to repay his creditors; and won’t include all his debt to Express... (3 pages)View decision
