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 69943 results
-
Decision Reference DRN-4070162
4 Sep 2023 Suitable Choices Limited Not upheldMortgagesDRN-4070162 The complaint Mr S complains about poor mortgage advice from Suitable Choices Limited. He says the mortgage offer it secured for him expired before his existing product expired. He was unable to re-mortgage and consolidate debt, and by the time he took out a new interest rate p... (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 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 -
Decision Reference DRN7065192
5 Sep 2013 Nationwide Building Society Not upheldBanking and creditMrs G complains that Nationwide Building Society has not responded correctly to a previous decision by the Financial Ombudsman Service. The decision required Nationwide to refund current account charges and interest. She is also unhappy that a payment of £51.54 has not been applied.... (2 pages)View decision -
Decision Reference DRN0104963
22 Mar 2017 Ulster Bank Ltd Not upheldBanking and creditMr L complains that Ulster Bank Ltd refused to accept an offer of £21,000 in full and final settlement of a debt he has with them. He is also unhappy that they haven’t provided him with the original loan agreement and he questions the validity of charges Ulster ... (2 pages)View decision -
Decision Reference DRN9420364
1 Feb 2019 Santander UK Plc UpheldBanking and creditMiss B complains that Santander UK plc unfairly applied charges to her account even though she told it that a direct debit had been incorrectly taken from her account. Her account was then overdrawn and Santander charged her even more.backgroundMiss B had an everyday c... (3 pages)View decision -
Decision Reference DRN9430779
26 Mar 2020 Paragon Finance Plc Not upheldBanking and creditMiss J complains via her professional representative that Paragon Finance PLC, trading as Idem Servicing (Idem) have incorrectly reported late payment markers to her credit file.BackgroundMiss J had a credit card account with her bank. Miss J’s circumstances changed, and she began to strug... (3 pages)View decision -
Decision Reference DRN-4273539
25 Oct 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-4273539 The complaint Mr M complains Liverpool Victoria Insurance Company Limited (LV) unfairly recorded a debt on his credit file after it cancelled his motor insurance policy. And after he settled the balance it failed to update his credit file with this information. What happened Mr... (3 pages)View decision -
Decision Reference DRN4072944
15 Jul 2019 Bank of Scotland Plc Not upheldBanking and creditBank of Scotland plc sold Mr E’s account to a debt collection agency. It later told him it had sent the wrong figure, but it had put it right. Mr E is complaining because he wants:-more compensation than Bank of Scotland has given him, and -the details changed on his County Court Judgmen... (3 pages)View decision -
Decision Reference DRN-1542012
22 Apr 2020 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-1542012 The complaintMrs H complains that HSBC UK Bank Plc didn't pay her the full amount of the debt collection charge refund she was due. What happenedMrs H says that she wrote to HSBC in April 2019 to ask for information about a credit card account she'd previously held wi... (2 pages)View decision
