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 70898 results
-
Decision Reference DRN-5474074
22 Apr 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5474074 The complaint Mr A complains that Bank of Scotland plc trading as Halifax are holding him liable for a debt he thought had been written off. What happened Mr A held a credit card with Halifax. The account fell into arrears and the balance was part of a debt management plan w... (3 pages)View decision -
Decision Reference DRN5120476
7 Mar 2019 Tesco Personal Finance PLC Not upheldBanking and creditMr P complains that Tesco Personal Finance PLC (Tesco) won’t accept his offer to settle his outstanding credit card debt.backgroundMr P has held a credit card with Tesco since 1999 with a limit of £4,000. In 2008 – when his credit limit had been increased – he tran... (3 pages)View decision -
Decision Reference DRN1052073
18 Nov 2015 HSBC Bank plc Not upheldBanking and creditMr and Mrs W complain that HSBC Bank plc unfairly set up an expectation that their mortgage application would succeed if they cleared unsecured debt. Although they acted on that advice, HSBC then declined their mortgage application. To resolve this complaint Mr and... (2 pages)View decision -
Decision Reference DRN5628612
7 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr B and Miss C complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundMiss C had a variable rate mortgage. At L & G’s recommendation she remortgaged with another lender. In doing so she added ... (2 pages)View decision -
Decision Reference DRN5242018
8 Aug 2014 Sun Lane Ltd UpheldBanking and creditMr F complains that Sun Lane Ltd did not deliver the debt adjusting service it promised him.backgroundMr F says that he told Sun Lane he would be receiving a lump sum from his divorce and he wanted to use it to settle his debts. He says that Sun Lane agreed to provide a full and final ... (3 pages)View decision -
Decision Reference DRN1202759
5 Sep 2013 MBNA Limited Not upheldBanking and creditMr D complains that MBNA Limited did not honour the terms of a repayment arrangement that he had agreed with it. He said the bank instead wrongly sold his debt to a collections agency which then contacted him from overseas to chase payment, but would not confirm a verbal settlement ag... (2 pages)View decision -
Decision Reference DRN2955985
2 Feb 2015 Westhill Financial Services Limited Not upheldBanking and creditMr and Mrs T complain – through their representatives - that Westhill Financial Services Limited mis-sold their mortgage.backgroundIn December 2007 Mr and Mrs T (then aged 44 and 43 respectively) consulted Westhill about a remortgage on their property, which was then valued at £130,0... (2 pages)View decision -
Decision Reference DRN9853591
15 Nov 2016 Bank of Scotland Plc Not upheldBanking and creditMiss C complains that Bank of Scotland plc (trading as Halifax) sold her credit card debt to a third party without telling her. She also says her original credit card application is fraudulent.background Miss C took out a Halifax credit card in June 2003. She says ... (2 pages)View decision -
Decision Reference DRN7590272
18 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMr D complains about the action taken by Lloyds Bank PLC to recover an outstanding amount.backgroundMr D previously held some loans and a bank account with Lloyds. The bank have been trying to recover the outstanding balance since 2001.Mr D is unhappy that he has been th... (2 pages)View decision -
Decision Reference DRN0329103
10 May 2013 Barclays Bank Plc Not upheldBanking and creditMs F complains Barclays put a charge on the late Mr E’s property – and will not remove the charge even though the debt has been repaid.Ms F is the beneficiary of Mr E’s estate. Mr E’s executors gave her permission to bring a complaint to us on behalf of his estate.backgroundMr E’s exec... (2 pages)View decision
