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 74386 results
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Decision Reference DRN-2800258
27 Jun 2021 Lowell Portfolio I Ltd Not upheldBanking and PaymentsDRN-2800258 The complaint Miss M complains that Lowell Portfolio I Ltd (Lowell) is pursuing her for a debt which she believes to be unenforceable, and its contact with her amounts to harassment. What happened Miss M is represented in her complaint but for ease I will refer to her throughou... (3 pages)View decision -
Decision Reference DRN8367630
18 May 2015 National Westminster Bank Plc UpheldBanking and creditMrs F guaranteed the debts of P, a limited company. She says National Westminster Bank Plc (“NatWest”) misled her about the extent of the guarantee. So she doesn’t think NatWest should be able to enforce it.background In 2008, NatWest loaned money to P. Mrs F sign... (3 pages)View decision -
Decision Reference DRN2284841
11 May 2016 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs C by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr and Mrs C say they weren’t properly advised about debt consolidation and feel they’ve been financially disadvantaged ... (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 DRN-4933479
7 Aug 2024 Fairscore Ltd UpheldConsumer CreditDRN-4933479 The complaint Miss G complains that Fairscore Ltd lent to her irresponsibly. What happened Miss G took out three loans with Fairscore Ltd as follows: In May 2021 Miss G took out a loan for £7,000 repayable over 36 months at £269.46 per month. In October 2022 Miss G took out ... (3 pages)View decision -
Decision Reference DRN-5613469
10 Jun 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5613469 The complaint Mr K complains that Santander UK Plc unfairly sold a debt in his name without prior warning. What happened Mr K held a Santander credit card account which had defaulted in 2013. In 2024, Santander sold the outstanding debt to a third party debt buyer who I will... (3 pages)View decision -
Decision Reference DRN-3825726
29 Nov 2022 1plus1 Loans Limited UpheldConsumer CreditDRN-3825726 The complaint Ms B complains 1Plus1 Loans Limited unfairly accepted her as the guarantor on a friend’s (‘the borrower’) loan. What happened 1Plus1 Loans provided the borrower with a loan for £3,000 in September 2017. It was repayable over 60 months. The monthly repayments were ... (5 pages)View decision -
Decision Reference DRN6045038
27 Mar 2014 National Westminster Bank Plc Not upheldBanking and creditMiss M complains about the way National Westminster Bank Plc (“NatWest”) managed her accounts and that it registered defaults on her credit file.backgroundMiss M had a joint account with her partner. After their separation, Miss M told the bank about this. The account was overdrawn at ... (2 pages)View decision -
Decision Reference DRN-2138000
24 Sep 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2138000The complaintMr S complains that Santander UK plc didn’t remove him from a joint account he held with his ex-partner and he is now being chased for an outstanding debt on that account. What happenedIn May 2015, Mr S says he attended a branch of Santander with his ex-partner and ... (3 pages)View decision -
Decision Reference DRN6495127
28 Jan 2015 Nationwide Building Society Not upheldInsurance (excluding PPI)Mr C complains about a debt on his mortgage account as a result of payments being taken by Nationwide Building Society to cover the monthly premiums for his contents insurance policy.background Mr C had a mortgage account with Nationwide as well as a home insurance policy. The monthly p... (3 pages)View decision
