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 DRN6778442
21 Oct 2014 National Westminster Bank Plc Not upheldBanking and creditMr A complains that National Westminster Bank Plc (“NatWest”) is wrongly pursuing him for a debt under the terms of a personal guarantee. He says the bank was aware he no longer wished to be a guarantor. He is also unhappy that the bank has asked him to repay a personal loan when his bus... (2 pages)View decision -
Decision Reference DRN2918918
24 Nov 2016 Ashley Park Debt Solutions Limited Not upheldBanking and creditMiss G complains that Ashley Park Debt Solutions Limited, trading as Ashley Park Financial Solutions, (“APDSL”), didn’t provide her with appropriate information when she entered into a debt management plan (“DMP”) with it. The complaint is brought to this service on Mis... (2 pages)View decision -
Decision Reference DRN3731965
20 Jun 2016 Santander UK Plc Not upheldBanking and creditMiss T complains that Santander UK Plc wants her to pay money that she doesn’t owe. She wants Santander to refund the payments her father made without her knowledge or permission.backgroundMiss T opened an account with Santander (previously Alliance & Leicester). In ... (3 pages)View decision -
Decision Reference DRN-3705715
27 Oct 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3705715 The complaint Miss T complains that Everyday Lending Limited lent to her when she could not afford it. She says that Everyday Lending did not verify her financial situation properly. Miss T says that the cost of the loan was ‘excruciating’. What happened Miss T applied for and ... (7 pages)View decision -
Decision Reference DRN5733807
22 Aug 2017 Foundation for Credit Counselling UpheldBanking and creditMs W complains Foundation for Credit Counselling (now known as StepChange) didn’t keep her updated about a debt which it had agreed to manage as part of a debt management plan. She says this resulted in court fees and interest being added to her debt.backgroundMs W a... (2 pages)View decision -
Decision Reference DRN-4771780
9 Jun 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4771780 The complaint Miss G complains that Zopa Bank Limited (“Zopa”) defaulted her account and sold the debt to a third party. What happened Miss G applied for a loan with Zopa on 14 February 2020. The loan was for the sum of £20,000 with monthly repayments of £375.88 due on the 14 t... (2 pages)View decision -
Decision Reference DRN4716748
28 Jun 2013 HSBC Bank plc Not upheldBanking and creditMiss D complains about HSBC Bank plc debt collection process particularly collection calls, ignoring a repayment plan and passing the debt to a debt collection agency.backgroundMiss D had an overdraft with HSBC. She stopped paying into this account and opened an account with another b... (1 page)View decision -
Decision Reference DRN7148601
6 Nov 2013 National Westminster Bank Plc Not upheldBanking and creditMr S complains that National Westminster Bank Plc (“NatWest”) is holding him liable for an overdraft on the business account of his former limited company. background Mr S asked the bank to cancel the personal guarantee he had previously signed against a business current account. The ba... (2 pages)View decision -
Decision Reference DRN6557852
27 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs G say that Lloyds Bank PLC has not helped them with their financial situation. This has led to a large debt now being owed.background Some of the issues being complained of are some ten years old. Mr and Mrs G’s complaint is that had Lloyds acted differen... (3 pages)View decision -
Decision Reference DRN9736632
22 Oct 2019 Oakbrook Finance Limited Not upheldBanking and creditMr B complains about Oakbrook Finance Limited, trading as ‘Likely Loans’ (“Likely Loans”) in relation to two loans he received from them. He feels that this lending was irresponsible and failed to take into account his other debts. He wants Likely Loans to refund all the interest he has pa... (3 pages)View decision
