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
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Decision Reference DRN-5023691
17 Sep 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5023691 The complaint Mrs W complains that Sainsbury's Bank Plc didn’t agree to write off her debt and handled her request poorly. What happened Mrs W has a credit card account with Sainsbury’s and in January 2023 she contacted the bank to inform it of her medical condition and... (3 pages)View decision -
Decision Reference DRN-2731282
21 May 2021 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2731282 The complaint Mr W complains that in 2018 Clydesdale Bank Plc trading as Yorkshire Bank failed to recall a debt on his account that it had sold to a debt management company. He says as a result a CCJ was registered against his credit file for longer than it should have been and... (4 pages)View decision -
Decision Reference DRN0805631
24 Feb 2014 Bournes Limited UpheldBanking and creditMr M complains that Bournes Limited (trading as Bournes Debt Solutions) failed to distribute payments to creditors under a debt management plan.backgroundMr M entered a debt management plan with Bournes in September 2011. He says he paid Bournes £200 per month but continued to receive l... (2 pages)View decision -
Decision Reference DRN-5239453
7 Feb 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5239453 The complaint S, a limited company, complains that Lloyds Bank PLC didn’t treat it fairly after it closed a business bank account. What happened S had a business account with Lloyds. In June 2022, Lloyds decided to close the account. At the same time, Lloyds suspended S’s cr... (3 pages)View decision -
Decision Reference DRN-4845022
17 Jul 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4845022 The complaint Mrs C complains that Everyday Lending Limited, trading as Everyday Loans (“Everyday Lending”), lent to her irresponsibly and the interest charged was too high. And Mrs C is not content that an email she had sent to Everyday Lending during the complaint process ... (6 pages)View decision -
Decision Reference DRN4675469
7 Dec 2016 Santander UK Plc Not upheldBanking and creditMs M says Santander UK Plc has wrongly applied a default marker to her account.backgroundMs M says she came to a repayment plan through a debt referral agency that included making payments to Santander to clear her overdraft. She says Santander confirmed it was awa... (2 pages)View decision -
Decision Reference DRN3895504
17 Mar 2015 Barclays Bank Plc Not upheldBanking and creditThis complaint is about a mortgage current account (MCA) Mr W holds with Barclays Bank Plc. That’s a current account attached to a mortgage, with an overdraft facility. The overdraft is secured by the legal charge over the mortgaged property. Mr W complains that Barc... (2 pages)View decision -
Decision Reference DRN-3023050
22 Oct 2021 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3023050 The complaint Ms Q complains about a debt Lowell Portfolio I Ltd says she owes. She also complains about how she is being chased for the debt. In this decision, where I have referred to ‘Lowell’ I am referring to Lowell Portfolio I Ltd. Where I have referred to Ms Q in this dec... (4 pages)View decision -
Decision Reference DRN0176743
8 May 2014 HSBC Bank plc Not upheldBanking and creditMr A complains that HSBC Bank Plc (trading as first direct) is not responding reasonably to his financial difficulties. He wants it to refund charges applied to his account, to stop placing a charging order on his property, and to agree an affordable settlement. backgroundMr A fell into... (2 pages)View decision -
Decision Reference DRN-2862258
9 Jun 2021 Bamboo Limited UpheldConsumer CreditDRN-2862258 The complaint Mr Z says Bamboo Limited lent to him irresponsibly and didn’t treat him fairly when he was having financial difficulties. What happened Mr Z took out a loan over 60 months from Bamboo on 31 January 2017. It was for £3000 and the monthly repayments were £118.25. Th... (4 pages)View decision
