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 DRN-4723554
21 Jun 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4723554 The complaint Mr M complains HSBC UK Bank Plc (“HSBC”) closed his personal accounts and did so without explanation. He also complains that HSBC are incorrectly holding him liable for debts on two of these accounts which has adversely affected his credit file. Mr M says HSBC’s a... (4 pages)View decision -
Decision Reference DRN2879303
12 Mar 2019 National Westminster Bank Plc UpheldBanking and creditMr H complains that National Westminster Bank Plc has not been reasonable when dealing with his business borrowing given his financial and personal difficulties. backgroundMr H took personal and business borrowing from NatWest. It’s written-off the personal debt but it ... (3 pages)View decision -
Decision Reference DRN5245277
9 May 2017 Lowell Portfolio I Ltd Not upheldBanking and creditMr L complains that he has not been provided with information, including a copy of a deed of assignment by which Lowell Portfolio I Ltd (‘Lowell’) purchased a credit card debt Lowell says he owes. He wants either a copy of the deed or the debt cancelled and all re... (2 pages)View decision -
Decision Reference DRN8189635
17 Oct 2013 The Co-operative Bank Plc UpheldBanking and creditMs M complains about the administration of a Professional Career Development Loan (PCDL) by The Co-operative Bank Plc. She says Co-operative Bank acted unfairly by referring the loan to a debt collection agency when she fell behind with payments and not reinstating it when asked. She al... (2 pages)View decision -
Decision Reference DRN8269091
15 Mar 2016 TSB Bank plc UpheldBanking and creditMr B complains that, despite twice agreeing to remove a default from his credit file, TSB Bank plc still hasn’t done it.backgroundIn 2014 Mr B disputed some transactions on his account, which TSB refunded. It then reversed these, which took the account over its overdraft... (2 pages)View decision -
Decision Reference DRN1493007
23 Jan 2018 Bank of Scotland Plc Not upheldBanking and creditMr F complains that Bank of Scotland plc (trading as Halifax) has transferred his debt to agents to manage.backgroundMr F told us that his circumstances changed suddenly a few years ago. He agreed a repayment plan with Halifax to pay back some money he owed on a ... (4 pages)View decision -
Decision Reference DRN8672496
3 Nov 2016 WorldPay (UK) Limited UpheldBanking and creditMr T complains that WorldPay (UK) Limited failed to tell him about arrears accruing on one of his accounts.background Mr T had merchant services arrangements with WorldPay for his business. WorldPay contacted Mr T to say that there was an unpaid debt on his account, ... (3 pages)View decision -
Decision Reference DRN0080969
10 Dec 2015 The Royal Bank of Scotland Plc Not upheldBanking and creditMr R complains that The Royal Bank of Scotland plc (RBS) recorded a default on his current account without telling him.backgroundMr R said he applied for a mortgage but realised RBS had recorded a default on his credit file in December 2014. He said his RBS account ... (2 pages)View decision -
Decision Reference DRN-1210527
21 Apr 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1210527The complaintMr A complains that National Westminster Bank Plc ("NatWest") unfairly recorded a default marker on his credit file, following its decision to write off a debt. What happenedMr A says NatWest closed his current account without warning and asked for repayme... (2 pages)View decision -
Decision Reference DRN-3459458
5 May 2022 TSB Bank plc Not upheldBanking and PaymentsDRN-3459458 The complaint and background Miss K complains that TSB Bank Plc didn’t treat her fairly when defaulting her account. Miss K’s account went into an unarranged overdraft in July 2021. In July and August Miss K spoke with TSB about the debt, but due to her circumstances she was un... (2 pages)View decision
