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 70772 results
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Decision Reference DRN-4422912
15 Nov 2023 Equifax Limited Not upheldConsumer CreditDRN-4422912 The complaint Mr E complains about an entry on his Equifax Limited credit file. What happened Earlier this year, Mr E contacted Equifax and raised concerns about an entry on his credit file. Mr E explained a defaulted credit card debt reported by a business I’ll refer to as C w... (2 pages)View decision -
Decision Reference DRN1576059
22 Feb 2016 Erudio Student Loans Limited Not upheldBanking and creditMr and Mrs M have complained about Erudio Student Loans Limited’s actions in respect of their student loans.backgroundMr and Mrs M had student loans with a third party. These were later assigned to Erudio. Mr and Mrs M have complained about a number of aspects about ... (2 pages)View decision -
Decision Reference DRN9700816
2 Mar 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr D and Miss E complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr D and Miss E had an interest only mortgage, made up of several elements, some of which were on a fixed rate and some o... (3 pages)View decision -
Decision Reference DRN-3214100
15 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3214100 The complaint Mr B complained about Barclays Bank UK PLC. He’d been a victim of identity theft, with a fraudulent Barclays account set up in his name, and a debt incurred on it. Barclays said it had closed the fraudulent account, but around 18 months later, Mr B was contacted a... (4 pages)View decision -
Decision Reference DRN-4619746
26 Nov 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4619746 The complaint Mr M is unhappy with Bank of Scotland plc, trading as Halifax’s (Halifax) handling of his overdraft debt. Mr M says Halifax used the wrong date for reporting the default to the Credit Reference Agencies (CRAs) and has expressed concerns about the sale of the de... (4 pages)View decision -
Decision Reference DRN5538059
28 Jul 2015 Lloyds Bank PLC Not upheldBanking and creditMr L complains that Lloyds Bank plc recorded a default on his credit file without warning him, and while he was disputing the debt outstanding.backgroundIn March 2012 Lloyds wrote to Mr L, explaining that it had decided to close his accounts. It gave him two months’... (2 pages)View decision -
Decision Reference DRN1794683
7 Dec 2015 Bank of Scotland Plc Not upheldBanking and creditMr C complained because he believed Bank of Scotland plc (BoS), misled him about whether or not the organisation chasing his debt were solicitors.backgroundMr C had a credit card with BoS, which defaulted in 2009. He received letters about the debt, which were headed w... (2 pages)View decision -
Decision Reference DRN8900889
5 Sep 2017 Paragon Finance Plc UpheldBanking and creditMrs B complains that Paragon Finance Plc (trading as Idem) caused her significant distress when they chased her about a debt her ex husband had been paying for them both. backgroundMrs B had joint loans with her ex husband Mr B. He’d been paying the debts over the... (2 pages)View decision -
Decision Reference DRN3389669
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr J complains about the way that Lloyds Bank plc (previously Lloyds TSB Bank plc) has dealt with him in connection with the enforcement of a personal guarantee. backgroundMr J, jointly with another director, gave a director’s personal guarantee to Lloyds in support of the bank’s lend... (2 pages)View decision -
Decision Reference DRN-2329255
10 Dec 2020 National Westminster Bank Plc UpheldConsumer CreditDRN-2329255 The complaint Mrs J complains that National Westminster Bank Plc (NatWest) contacted her to pay an outstanding debt that she says she’d already paid off. What happened Mrs J received a letter from NatWest around February 2020, letting her know that that a debt she owes had been... (3 pages)View decision
