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 71923 results
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Decision Reference DRN8889526
17 Feb 2021 NRAM Limited Not upheldBanking and creditThis complaint is about a shortfall debt arising from the repossession of a property previously owned by Mrs C and Mr B, which was subject to a mortgage with NRAM Limited. The complaint has been brought by Mrs C, with the consent of Mr B. To settle the complaint Mrs C wants NRAM to demonst... (4 pages)View decision -
Decision Reference DRN0101722
15 May 2018 Clydesdale Bank Plc Not upheldPayment protection insurance (PPI)Mrs M complained that Clydesdale Bank PLC (Clydesdale) mis-sold her a payment protection insurance (PPI) policy associated with her credit card.backgroundMrs M took out a credit card with Clydesdale in 2001. In 2005 a PPI policy was taken out associated with that credit... (3 pages)View decision -
Decision Reference DRN-3116362
16 Feb 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3116362 The complaint Mr G complains about a credit card account he has with Lloyds Bank PLC (Lloyds). What happened In 2001, Mr G took out a credit card account with Lloyds. Mr G says that in recent years, the credit card has always been within the agreed credit limit and he has been ... (3 pages)View decision -
Decision Reference DRN-5489146
26 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5489146 The complaint Mr B complains that Vanquis Bank Limited lent to him irresponsibly. Mr B is also unhappy that Vanquis recorded the debt as “partially settled” after it was written off. What happened In June 2023, Mr B was provided with a credit card by Vanquis with a limit of... (3 pages)View decision -
Decision Reference DRN4442312
17 Jan 2014 SBA Financial Ltd Not upheldBanking and creditMr and Mrs G complain that they received unsuitable mortgage advice from SBA Financial Ltd. Mr and Mrs G have also made a complaint about the lender, which I am considering separately.backgroundIn 2007 Mr and Mrs G took mortgage advice from SBA. They were recommended an interest-only... (2 pages)View decision -
Decision Reference DRN7834906
27 Jan 2015 Bank of Scotland Plc UpheldBanking and creditMr E complains that Bank of Scotland plc (trading as Capital Bank) (“Capital Bank”), passed on a debt to a third party for collection that he did not owe. This has affected his credit rating and he wants compensation.backgroundMr E has been pursued for 5 years for a debt he doesn’t ow... (2 pages)View decision -
Decision Reference DRN2998881
13 Nov 2015 Shop Direct Finance Company Limited UpheldBanking and creditMr W complains that Shop Direct Finance Company Limited (the business) did not update his credit file after he paid off his debt. He says this has resulted in him being refused credit.backgroundMr W had an account with the business that feel into arrears. The acc... (2 pages)View decision -
Decision Reference DRN5617334
5 Mar 2015 Wilson Andrews Limited Not upheldBanking and creditMrs B complains that Wilson Andrews Limited (“WAL”) provided her with unsatisfactory debt management advice. backgroundMrs B sought debt management advice in 2007 from WAL, and was advised to enter into a Trust Deed. At the time of entering the Trust Deed, her total unsecured debts were... (3 pages)View decision -
Decision Reference DRN5474089
16 Apr 2015 Lloyds Bank PLC Not upheldBanking and creditMr C complains that he’s been treated badly, unfairly and illegally by Lloyds Bank PLC because he’s being asked to pay a debt that relates to a current account belonging to his ex- partner.backgroundMr C says his ex-partner asked Lloyds to add his name to her cur... (2 pages)View decision -
Decision Reference DRN5832788
9 Jan 2018 Barclays Bank Plc Not upheldBanking and creditMrs M complains that Barclays Bank PLC, trading as Barclaycard, registered a default on her credit file on the wrong date. She also complains that her debt has been recorded twice.backgroundMrs M says Barclaycard should’ve registered a default when she was three months ... (2 pages)View decision
