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 69825 results
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Decision Reference DRN3143950
5 May 2015 Arrow Global Limited Not upheldBanking and creditMr P complains that Arrow Global Limited should write off a debt as it is now unenforceable because it is statute barred.backgroundMr P took out a loan in 2003. He says he was then involved in an accident as a result of which he was no longer able to work. In the c... (1 page)View decision -
Decision Reference DRN9756634
28 Nov 2018 T.B.I. Financial Services Ltd. Not upheldBanking and creditMs M through her solicitor R complains that T.B.I Financial Services Ltd (“TBI”) has acted unfairly and unreasonably by asking her to pay the shortfall debt from her mortgage. She wants the debt written off and compensation.backgroundMs M took out a mortgage with TBI.... (2 pages)View decision -
Decision Reference DRN1571806
13 Jul 2016 Bank of Scotland Plc UpheldBanking and creditMr H complains that Bank of Scotland plc increased the amount outstanding on his loan without explanation. And then passed the debt to a debt collection company.backgroundMr H asked Bank of Scotland to explain how it had calculated the increased balance on his loan. M... (2 pages)View decision -
Decision Reference DRN-5211293
17 Jan 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5211293 The complaint Mr R complains that Creation Consumer Finance Ltd (Creation) did not mark his account as defaulted. What happened Mr R had a debt with Creation (and other lenders). He entered a Scottish Debt Arrangement Scheme (DAS) in January 2020. The debt due to Creation wa... (3 pages)View decision -
Decision Reference DRN1237549
20 Sep 2017 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC, (“LSL”), is unfairly pursuing him for a debt he has already paid it. backgroundMr H had three outstanding loans with LSL between August 2013 and May 2015. When he suffered financial difficulties, he made sporadic repayments to L... (2 pages)View decision -
Decision Reference DRN-2643012
26 Mar 2021 Secure Trust Bank Plc Not upheldConsumer CreditDRN-2643012 The complaint Mr C complains about the outstanding debt on his account with Secure Trust Bank plc, trading as Moneyway, relating to a car that was supplied to him under a hire purchase agreement. Mr C’s mother is helping him with his complaint. What happened A used car was supp... (3 pages)View decision -
Decision Reference DRN4901120
26 Nov 2019 Arrow Global Limited Not upheldBanking and creditMiss H complains that Arrow Global Limited (Arrow) should’ve registered a default on her credit file in March 2012 rather than September 2013 as they’ve now decided. She would like them to backdate the default to March 2012, remove it from the credit file and mark the debt as settled. back... (3 pages)View decision -
Decision Reference DRN2590538
15 May 2018 Bank of Scotland Plc UpheldBanking and creditMr H says that Bank of Scotland plc (trading as Halifax) cashed a cheque he sent in final settlement of his credit card debt and should therefore write off the outstanding debt.background Mr H has a credit card with Halifax with a debt of around £6,500. He had been... (2 pages)View decision -
Decision Reference DRN-3124821
1 Dec 2021 Nationwide Building Society Not upheldBanking and PaymentsDRN-3124821 The complaint Ms P complains about Nationwide Building Society (“Nationwide”) for its decision to issue her with a credit card with a high credit limit. She feels that this lending was irresponsible and caused her to get into more debt. She wants all charges and interest to be ... (3 pages)View decision -
Decision Reference DRN1690383
24 Jul 2014 National Westminster Bank Plc Not upheldBanking and creditMiss F complained because National Westminster Bank Plc (NatWest) transferred £823 from her ISA account to her credit card without asking her first. She wanted the money back and some compensation. She said that she didn’t receive a letter from the bank about the transfer, or a reply to... (2 pages)View decision
