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 DRN0734676
6 Mar 2017 Clydesdale Bank Plc Not upheldBanking and creditMr F complains that Clydesdale Bank Plc (“Clydesdale”) caused a debt his business owed it to increase, and that he’s been unfairly affected by its actions.backgroundIn 2007 Mr F and his partners at the time took out a business overdraft of £197,200. This was to be us... (4 pages)View decision -
Decision Reference DRN7392909
29 Sep 2016 Blue Finance Management Limited UpheldBanking and creditMiss C complains that Blue Finance Management Limited, trading as Debt Plan Direct, hasn’t paid her the agreed settlement amount of £621. She is being helped with her complaint by a representative.backgroundDebt Plan Direct made a settlement offer to Miss C of £621 in Mar... (1 page)View decision -
Decision Reference DRN-1910345
10 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1910345 The complaintMr W says Gain Credit LLC trading as Drafty lent to him irresponsibly. He says his financial situation was poor at the time of sale and a reasonable credit check would’ve shown this. He says if Drafty had made better checks then it wouldn’t have lent to him. What ... (3 pages)View decision -
Decision Reference DRN3224688
1 Jul 2014 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mrs D’s complaint is about a regular premium payment protection insurance (PPI) policy sold to her by Capital One (Europe) plc (Capital One). Capital One has upheld her complaint but wants to use the redress owed to Mrs D to off-set against the outstanding balance on her credit card. Mr... (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 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 DRN-4794056
2 Jan 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4794056 The complaint Mr T complains that Barclays Bank UK PLC has pursued him for a guarantee they said he gave to support lending to his business without responding to his many requests for a copy of the signed guarantee. What happened The circumstances of this complaint are fami... (3 pages)View decision -
Decision Reference DRN1144919
23 Jan 2015 HSBC Bank plc Not upheldBanking and creditMr E complains that HSBC Bank Plc did not notify him that it had removed his overdraft facility and that it recorded a default on his credit file which it has not removed despite him clearing his debt. backgroundMr E had a current account with a small overdraft limit. He did not make re... (2 pages)View decision -
Decision Reference DRN1832051
11 Mar 2021 Ccuk Finance Limited Not upheldBanking and creditMr T complains that his credit card provider, CCUK Finance Limited, sold a debt that he didn’t really owe them, to a third-party company – who’ll I’ll refer to as A. And that CCUK later delayed sending a refund he was owed on to A to clear that debt. He’s also unhappy about a default on hi... (3 pages)View decision -
Decision Reference DRN3393805
19 Feb 2020 Lloyds Bank PLC UpheldBanking and creditMr C complains that Lloyds Bank Plc offset a refund against a debt that he says he’s alreadypaid off rather than paying the refund to him directly. Mr C is also unhappy thatLloyds Bank Plc haven’t explained to him why they believe they are legally entitled to keephis refund.backgroundMr C ... (5 pages)View decision
