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 71923 results
-
Decision Reference DRN7057830
21 Aug 2018 Santander UK Plc Not upheldBanking and creditMr and Mrs M complain that Santander UK Plc unfairly declined their application to transfer or port their mortgage to a new property. As a result, they’ve had to pay an early repayment charge. backgroundMr and Mrs M held a two year fixed rate mortgage with Santa... (3 pages)View decision -
Decision Reference DRN6346869
23 Jun 2017 Barclays Bank Plc Not upheldBanking and creditMr D complains about Barclays Bank Plc (t/a Barclaycard). He says after he told it of his financial difficulties it promised to put a hold on charges on his account. He says he’s now been given more than £300 in extra charges. And he says his credit file has bee... (3 pages)View decision -
Decision Reference DRN1889937
9 May 2014 Barclays Bank Plc Not upheldBanking and creditMr and Mrs S complain that Barclays Bank Plc recorded a default on their credit files, even though they made payments on a debt repayment plan. Barclays had also not amended the credit files correctly when Mr and Mrs S eventually paid off the outstanding balance. Mr and Mrs S would like... (2 pages)View decision -
Decision Reference DRN-3648855
29 Sep 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3648855 The complaint Mr P, through his representative, complains that Everyday Lending Limited, trading as Everyday Loans, lent to him when he could not afford it. What happened Mr P took one loan of £2,000 repayable over 24 months from 20 March 2018 and the monthly repayments were to... (5 pages)View decision -
Decision Reference DRN-3088268
2 Nov 2021 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3088268 The complaint Mr H complains Royal Bank of Scotland Plc closed several accounts in his name and unfairly reported them as defaulted. What happened The background facts of this complaint were explained by the investigator who issued their view on Mr H’s complaint. I find no need... (4 pages)View decision -
Decision Reference DRN-3103459
1 Dec 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3103459 The complaint Miss M complained that National Westminster bank had placed markers on her credit file, relating to a small debt she didn’t know about, which were having a significant impact on her ability to borrow. She told us about the wider impact this had on her life. What h... (4 pages)View decision -
Decision Reference DRN7456037
3 Jun 2015 Lloyds Bank PLC Not upheldBanking and creditMr G complains that Lloyds Bank PLC wrongly applied a default to his current account and he wants it removed.backgroundOur adjudicator did not recommend that this complaint be upheld. Lloyds had refunded three payments with interest to Mr G’s account, and paid £100 com... (2 pages)View decision -
Decision Reference DRN2732605
11 Apr 2017 NRAM plc Not upheldBanking and creditMr C complains that Landmark Mortgages Limited is pursuing him rather than his ex-partner for a shortfall debt from their joint mortgage.backgroundMr C held a mortgage with his now ex-partner. The property was sold. But the proceeds of the sale weren’t enough to rep... (2 pages)View decision -
Decision Reference DRN1300080
23 Apr 2015 Lowell Financial Ltd Not upheldBanking and creditMr L complains that Lowell Financial Ltd harassed him to repay a debt that he did not owe.backgroundLowell bought the debt from the original creditor and contacted Mr L, by letter, phone and text, to seek repayment. Mr L agreed to repay half of the amount outsta... (2 pages)View decision -
Decision Reference DRN9171594
20 Feb 2019 National Westminster Bank Plc UpheldBanking and creditMs M and Mr M complain that National Westminster Bank Plc continue to chase them for a debt despite it accepting a payment in full and final settlement.backgroundI issued a provisional decision on 5 February 2019, part of which is copied below.“Ms M and Mr M took ou... (4 pages)View decision
