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 DRN5415398
19 Sep 2019 Legal & General Partnership Services Limited Not upheldBanking and creditAn appointed representative of Legal & General Partnership Services Limited (L&G) made a recommendation to Mr and Mrs P for a remortgage. They also consolidated a credit card debt and three loans into the new mortgage. They complain through their solicitors that the advice was unsu... (3 pages)View decision -
Decision Reference DRN3466386
11 Dec 2018 Bank of Scotland Plc Not upheldBanking and creditMr H complains about the amount Bank of Scotland plc (BOS) says he owes on a credit card and that it won’t mediate with him on the repayment of the debt.backgroundMr H had a credit card issued by BOS under one of its trading names. Ultimately, BOS is responsible... (2 pages)View decision -
Decision Reference DRN2798034
26 Apr 2013 Clydesdale Financial Services Limited Not upheldBanking and creditsummary of complaintMr F complains that the terms of a timeshare, and the loan agreement to finance it, were misrepresented to him. He says he was told he would be able to exit all agreements after two years and that this was untrue. He also says that Barclays are wrong to continue to p... (3 pages)View decision -
Decision Reference DRN8824044
21 Oct 2016 Baines & Ernst Limited Not upheldBanking and creditMr P and Miss T, represented by a claims management company (CMC), complain that the debt management plan (DMP) they entered into with Baines & Ernst Limited (the business) in 2011 was mis-sold.backgroundMr P and Miss T entered into a DMP in 2011 with the busines... (2 pages)View decision -
Decision Reference DRN-2814333
22 May 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2814333 The complaint Mr C complains that MBNA Limited irresponsibly allowed him to open two credit card accounts that were unaffordable. What happened Mr C says he opened the first MBNA account in 2015 and at the time had significant debts. He says he told MBNA about his financial dif... (2 pages)View decision -
Decision Reference DRN0358635
10 Jun 2016 Instant Cash Loans Limited UpheldBanking and creditMiss L complains that Instant Cash Loans Limited (trading as Money Shop) wrongly lent her money she couldn’t afford to pay back.backgroundMiss L took out three loans with the Money Shop. She says that the business didn’t carry out proper affordability checks and allowed... (2 pages)View decision -
Decision Reference DRN6797780
21 Nov 2014 Microcredit Limited UpheldBanking and creditMr U has complained that Microcredit Limited, trading as MiniCredit.co.uk has applied excessive charges to a loan of £220 he took out in November 2012. backgroundMr U borrowed £220 from MiniCredit in November 2012. The total amount repayable was £283.80 within 30 days. Mr U entered into... (2 pages)View decision -
Decision Reference DRN0214615
10 Oct 2017 Bank of Scotland Plc Not upheldBanking and creditMr M has complained Bank of Scotland plc, trading as Halifax, keeps sending him letters requiring him to pay a disputed debt on his credit card. He believes this is harassment.backgroundMr M disputed a payment on his Halifax credit card account. He wasn’t willing to di... (2 pages)View decision -
Decision Reference DRN6237679
30 Sep 2013 Santander Cards UK Limited Not upheldBanking and creditMr R complains that Santander Cards UK Limited passed his account to another company without telling him. He says that a member of his family paid off the debt, although he is still being asked to repay it, and that it has also increased significantly. Mr R wants Santander to reduce the ... (2 pages)View decision -
Decision Reference DRN6778442
21 Oct 2014 National Westminster Bank Plc Not upheldBanking and creditMr A complains that National Westminster Bank Plc (“NatWest”) is wrongly pursuing him for a debt under the terms of a personal guarantee. He says the bank was aware he no longer wished to be a guarantor. He is also unhappy that the bank has asked him to repay a personal loan when his bus... (2 pages)View decision