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 77095 results
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Decision Reference DRN0610793
27 Jun 2014 Gregson and Brooke Ltd UpheldBanking and creditMr F complains that Gregson and Brooke Ltd misrepresented a Debt Management Plan (DMP) he entered into with it. backgroundMr F says he understood that Gregson and Brooke would negotiate reduced settlements with his creditors and then distribute payments to them. However, he says that it ... (2 pages)View decision -
Decision Reference DRN9526223
3 Apr 2014 Nationwide Building Society Not upheldBanking and creditMr J complains that Nationwide Building Society has not renewed a repayment plan and intends to secure a debt on his property.backgroundMr J had a credit card account with Nationwide. When he became ill and unable to work, he ran into financial difficulties, so a reduced payment plan w... (2 pages)View decision -
Decision Reference DRN-4434996
16 Feb 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4434996 The complaint Mr W complains Vanquis Bank Limited sold his credit card account to a debt purchaser despite having a payment arrangement in place. What happened Mr W has said he opened the account in 2017 and after getting into difficulties set up a payment plan which had repaid... (2 pages)View decision -
Decision Reference DRN8654791
1 Oct 2018 National Westminster Bank Plc Not upheldBanking and creditMr M complains that after closing his accounts, National Westminster Bank Plc registered defaults with credit reference agencies despite telling him they wouldn’t do so.backgroundMr M had a current account and a loan account with National Westminster Bank Plc (NatWest)... (3 pages)View decision -
Decision Reference DRN2146408
18 Jan 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMrs K complains that Cabot Credit Management Group Limited (“Cabot”) are chasing her for a debt she doesn’t owe.backgroundIn February 2005 Mrs K took out a personal loan with a business I’ll call Z. Payment Protection Insurance (PPI) was also included and, with interes... (2 pages)View decision -
Decision Reference DRN6175379
27 Apr 2018 Nationwide Building Society Not upheldBanking and creditMr K complains about how Nationwide Building Society has dealt with him following financial problems.backgroundMr K took out a Nationwide loan but found himself in financial difficulties after his business closed. He says he told Nationwide about those difficulties but i... (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 DRN4533811
24 Feb 2016 Santander UK Plc Not upheldBanking and creditMr T has complained that Santander UK Plc (Santander) registered a default on his credit file.backgroundMr T said his former wife ran up a debt on their joint account while they were going through a divorce. When Santander chased him for the repayment, he explained h... (2 pages)View decision -
Decision Reference DRN2176199
2 Dec 2014 Lloyds Bank PLC Not upheldBanking and creditMrs W complains about overdrafts and loans provided by Lloyds Bank PLC and the way it has gone about recovering money owed. backgroundMrs W and her husband were involved in a business which started to get into difficulties in 2005. They had a number of joint accounts and accounts in ... (2 pages)View decision -
Decision Reference DRN-3982733
22 Feb 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3982733 The complaint Mr S complains Barclays Bank UK PLC trading as Barclaycard won’t let him make a payment to clear one of his credit card accounts. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant ele... (8 pages)View decision