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 DRN2768329
24 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMr B complains that poor service provided by Lloyds Bank PLC on his business account has led to financial problems and caused him serious inconvenience and distress. background Mr B had a loan and a business current account – with an authorised overdraft - with the bank. These accounts... (3 pages)View decision -
Decision Reference DRN0211377
10 Jun 2015 Microcredit Limited UpheldBanking and creditMs B complains about the charges and fees that Microcredit Limited trading as MiniCredit.co.uk added to her loan balance.backgroundMs B took out a £100 loan with Microcredit in September 2012. Shortly after borrowing the loan, she lost her job and was unable to repay th... (2 pages)View decision -
Decision Reference DRN-3778568
23 Jan 2023 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-3778568 The complaint Ms B has complained about The Royal Bank of Scotland Plc (RBS) using the redress from a mis-sold payment protection insurance (PPI) policy to repay a debt, on the basis that it was written off when her protected trust deed ended. What happened Both sides are most ... (3 pages)View decision -
Decision Reference DRN-3464412
1 Sep 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3464412 The complaint Mr J complains that Bank of Scotland plc trading as Halifax (“Halifax”) irresponsibly increased his credit card limit when he was struggling with his finances. What happened Mr J applied for and was provided with a Halifax credit card account in 2009. Halifax agre... (4 pages)View decision -
Decision Reference DRN8924945
15 Feb 2017 Kapama Limited UpheldBanking and creditMs C complains that Kapama Limited required her to repay too much towards her loan after it defaulted.backgroundIn 2012 Ms C borrowed £100 from a payday lender. She failed to repay the debt, and the lender added fees and interest until the debt increased to over £1,000.... (3 pages)View decision -
Decision Reference DRN8702710
17 Nov 2017 Barclays Bank Plc Not upheldBanking and creditMiss C complains Barclays Bank Plc (trading as Barclaycard) sold her debt to another company. She doesn’t think it has behaved fairly towards her. She is also unhappy about how a call handler spoke to her during her complaint.backgroundMiss C defaulted on her credit c... (2 pages)View decision -
Decision Reference DRN-5274951
6 Feb 2025 Evolution Money Limited UpheldMortgagesDRN-5274951 The complaint Mr and Mrs Z complain that Evolution Money Limited mis-sold them a second charge mortgage (secured loan) which wasn’t suitable for their needs. What happened In 2018 Mr and Mrs Z discussed taking out a secured loan with Evolution Money. Evolution Money recommen... (2 pages)View decision -
Decision Reference DRN3194946
5 Aug 2019 National Westminster Bank Plc Not upheldInvestment and pensionsThe liquidator of N complains that National Westminster Bank Plc hasn’t paid enough compensation in respect of an interest rate hedging product (IRHP) it sold to N in 2003.The liquidator has also made a complaint on behalf of a second limited company, which I’ll call ‘K’. A Mr C, who in 20... (8 pages)View decision -
Decision Reference DRN-4794056
2 Jan 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4794056 The complaint Mr T complains that Barclays Bank UK PLC has pursued him for a guarantee they said he gave to support lending to his business without responding to his many requests for a copy of the signed guarantee. What happened The circumstances of this complaint are fami... (3 pages)View decision -
Decision Reference DRN1832051
11 Mar 2021 Ccuk Finance Limited Not upheldBanking and creditMr T complains that his credit card provider, CCUK Finance Limited, sold a debt that he didn’t really owe them, to a third-party company – who’ll I’ll refer to as A. And that CCUK later delayed sending a refund he was owed on to A to clear that debt. He’s also unhappy about a default on hi... (3 pages)View decision
