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 DRN8922946
28 Nov 2014 Regal Credit Consultants Limited Not upheldBanking and creditMr W complains about a debt that Regal Credit Consultants Limited is trying to collect. He says he is disputing the debt and is unhappy that he is being asked to repay the debt. He is also unhappy about the way Regal Credit Consultants has tried to collect the debt and the contact it had w... (2 pages)View decision -
Decision Reference DRN-3464412
1 Sep 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3464412 The complaint Mr J complains that Bank of Scotland plc trading as Halifax (“Halifax”) irresponsibly increased his credit card limit when he was struggling with his finances. What happened Mr J applied for and was provided with a Halifax credit card account in 2009. Halifax agre... (4 pages)View decision -
Decision Reference DRN2772360
11 Nov 2014 National Westminster Bank Plc Not upheldBanking and creditMr D complains about the way in which National Westminster Bank plc has handled his loan and current accounts during a period of financial difficulty.backgroundMr D has explained that he found himself unable to meet loan repayments following a dispute with his business partners; they ha... (3 pages)View decision -
Decision Reference DRN-2375258
22 Feb 2021 Arrow Global Limited Not upheldConsumer CreditDRN-2375258 The complaint Mr R complains that Arrow Global Limited ignored his information requests and instead took legal action against him. Mr W wants Arrow to stop pursuing him for the debt. What happened In 2012, company S assigned its rights to pursue payment of an outstanding balanc... (2 pages)View decision -
Decision Reference DRN9947807
21 Nov 2016 National Westminster Bank Plc UpheldBanking and creditMr and Mrs C’s complaint is about the way National Westminster Bank Plc (“NatWest”) contacted them to repay a debt for which they provided their property as security.backgroundUnder a legal charge taken out in 2008, Mr and Mrs C provided their home as security for ... (2 pages)View decision -
Decision Reference DRN1474250
21 Nov 2016 Baines & Ernst Limited Not upheldBanking and creditMrs H, represented by a claims management company (CMC), complains that Baines & Ernst Limited (the business) mis-sold her a debt management plan (DMP).backgroundMrs H entered into a DMP, set up and managed by the business, in 2012. Mrs H says that although she w... (2 pages)View decision -
Decision Reference DRN8845735
21 Mar 2018 NRAM Limited Not upheldBanking and creditMr and Mrs S complain about the time taken by NRAM Limited to decide whether to write off the balance of their mortgage loan and its poor service. They’d like the debt written off.background Mr and Mrs S’s mortgage with NRAM has been in arrears for some time due t... (3 pages)View decision -
Decision Reference DRN9472665
28 May 2015 Lloyds Bank PLC Not upheldBanking and creditMrs P complains that Lloyds Bank plc can’t show her the original contracts she signed when opening her accounts.backgroundMrs P says that Lloyds should be able to show her the original contracts she signed when she opened her accounts. She says that if Lloyds can’t ... (2 pages)View decision -
Decision Reference DRN3194946
5 Aug 2019 National Westminster Bank Plc Not upheldInvestment and pensionsThe liquidator of N complains that National Westminster Bank Plc hasn’t paid enough compensation in respect of an interest rate hedging product (IRHP) it sold to N in 2003.The liquidator has also made a complaint on behalf of a second limited company, which I’ll call ‘K’. A Mr C, who in 20... (8 pages)View decision -
Decision Reference DRN8047012
11 Jul 2013 National Westminster Bank Plc UpheldBanking and creditMrs N complains that National Westminster Bank Plc unfairly recorded a default on her credit file, incorrectly linked an address and has repeatedly mis-managed her personal data. backgroundIn 2006 Mrs N and her ex-husband went to their local branch to notify it of their change in mari... (2 pages)View decision
