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 DRN6045038
27 Mar 2014 National Westminster Bank Plc Not upheldBanking and creditMiss M complains about the way National Westminster Bank Plc (“NatWest”) managed her accounts and that it registered defaults on her credit file.backgroundMiss M had a joint account with her partner. After their separation, Miss M told the bank about this. The account was overdrawn at ... (2 pages)View decision -
Decision Reference DRN-3124821
1 Dec 2021 Nationwide Building Society Not upheldBanking and PaymentsDRN-3124821 The complaint Ms P complains about Nationwide Building Society (“Nationwide”) for its decision to issue her with a credit card with a high credit limit. She feels that this lending was irresponsible and caused her to get into more debt. She wants all charges and interest to be ... (3 pages)View decision -
Decision Reference DRN-3271650
24 Jan 2022 Telefonica UK Limited UpheldConsumer CreditDRN-3271650 The complaint Mr E complains that Telefonica UK Limited (trading as O2) allowed a third party to take out more than one fixed sum loan agreement in his name. What happened Mr E contacted O2 in late 2018 as he believed it had allowed someone to acquire a mobile phone using a fix... (6 pages)View decision -
Decision Reference DRN-2525655
25 Jan 2021 Bank of Scotland Plc Not upheldMortgagesDRN-2525655 The complaint This complaint is brought by Miss W, in her capacity as Executor of the estate of her late father, Mr W, who died in 2006. Miss W’s complaint is about the way Bank of Scotland Plc (trading as Halifax) has dealt with her late father’s Retirement Home Plan mortgage ... (3 pages)View decision -
Decision Reference DRN5435035
12 Nov 2014 Barclays Bank Plc Not upheldBanking and creditMr R complains Barclays Bank PLC has refused to remove his information following a request under Section 10 of the Data Protection Act. He also complains his details have been passed on to a third party debt collector but he had settled the debt.backgroundMr R had read that Barclays ha... (2 pages)View decision -
Decision Reference DRN6747145
2 Jul 2014 Tesco Personal Finance PLC UpheldPayment protection insurance (PPI)This complaint concerns the redress related to a single premium payment protection insurance policy (PPI) associated with a loan from Tesco Personal Finance Plc (“Tesco”). Tesco wants to set the redress due to Mr J against an outstanding debt related to another loan Mr J had with Tesco. ... (3 pages)View decision -
Decision Reference DRN0589565
19 Nov 2013 The Money Group (Cornwall) Limited UpheldBanking and creditMs N complains that The Money Group (Cornwall) Limited did not tell her that it would take her first two monthly payments towards her debt management plan as a set-up fee.backgroundMs N agreed to enter into a debt management plan arranged by The Money Group. She discussed the details ... (3 pages)View decision -
Decision Reference DRN0524502
29 Sep 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs W complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Ltd (“L&G”).backgroundIn 2008 Mr and Mrs W were given advice about re-mortgaging by L&G’s representative. The advisor recommended... (3 pages)View decision -
Decision Reference DRN2221235
27 Oct 2017 Santander UK Plc Not upheldBanking and creditMr K complains that he’s been pursued for a debt, wrongly, in respect of debit balances that exist on several current and credit card accounts that were opened in June 2008 with Santander UK Plc.He doesn’t want to be held liable for the repayment of those debts. ba... (2 pages)View decision -
Decision Reference DRN5120476
7 Mar 2019 Tesco Personal Finance PLC Not upheldBanking and creditMr P complains that Tesco Personal Finance PLC (Tesco) won’t accept his offer to settle his outstanding credit card debt.backgroundMr P has held a credit card with Tesco since 1999 with a limit of £4,000. In 2008 – when his credit limit had been increased – he tran... (3 pages)View decision
