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
-
Decision Reference DRN1953738
14 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr E complains that Lloyds TSB Bank Plc has not done enough to assist him with his financial difficulties and he is unhappy with the contact he has had from its debt collection agents.backgroundMr E was made redundant in March 2010 and no more credits were received to his current accoun... (1 page)View decision -
Decision Reference DRN3356263
15 Feb 2019 Santander UK Plc Not upheldBanking and creditMs G complains about a county court judgement relating to money owed to Santander UK Plc (“Santander”) as she has no relationship with them.backgroundMs G came to us as she was unhappy with Santander’s response to her complaint that she never had an account with them ... (2 pages)View decision -
Decision Reference DRN6885824
11 Jun 2020 Tesco Personal Finance PLC UpheldBanking and creditMr W complains Tesco Personal Finance PLC is unfairly holding him liable for a loan which he didn’t apply for.backgroundIn June 2016, Tesco approved a loan for £20,000 in the name of Mr W. The money was paid into a joint account – held at the time by Mr W and his wife. Days later, the fu... (2 pages)View decision -
Decision Reference DRN-4512670
21 Nov 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4512670 The complaint Miss F complains National Westminster Bank Plc unfairly closed her student account and passed her account to a debt collection agency. What happened Miss F has a representative on her complaint, but for ease I will refer to Miss F only. Miss F opened a studen... (4 pages)View decision -
Decision Reference DRN-1585135
13 Oct 2020 Bank of Scotland Plc Not upheldMortgagesDRN-1585135 The complaint Mrs H complained because Bank of Scotland plc, trading as Halifax, contacted her about payment of an outstanding mortgage balance. The property owned by Mrs H and her ex-partner had been sold in possession. Mrs H believes Halifax shouldn’t be pursuing her for the ... (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 DRN0665274
27 Jun 2014 Countrywide Debt Collections Limited Not upheldBanking and creditMr and Mrs J complain about a debt management programme sold and administered by Countywide Debt Collections Limited, trading as Restart Financial. backgroundThere is a dispute about how contact between Mr and Mrs J and Restart Financial was initially made. Mr J says that he was init... (2 pages)View decision -
Decision Reference DRN6181415
16 Nov 2018 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs A are unhappy with the service they received from the debt management services team at National Westminster Bank Plc.backgroundIn April 2007 Mr and Mrs A opened a joint account with NatWest. In May 2017 Mr A entered into an IVA. The joint account was ... (3 pages)View decision -
Decision Reference DRN5953551
17 Aug 2015 OPOS Limited Not upheldBanking and creditMs C has complained about two loans she took out. She says the loans were unaffordable. The loans were made by another business and then sold on to OPOS Limited.backgroundThe background is set out in my provisional decision which is attached below and forms part of t... (3 pages)View decision -
Decision Reference DRN8244631
19 Sep 2013 MBNA Limited Not upheldBanking and creditMr N complains that his credit record is being unfairly affected by an arrangement plan that he set up six years ago. He says he would have been better off if he had defaulted on his debt, as the default would by now, have been deleted from his records. He wants MBNA Limited to remove r... (2 pages)View decision
