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 DRN7311072
30 Mar 2016 Lloyds Bank PLC UpheldPayment protection insurance (PPI)Mr E is complaining that Lloyds Bank PLC (‘Lloyds’) mis-sold him a payment protection insurance (‘PPI’) policy. He’s unhappy with the amount it’s offered him in compensation.backgroundMr E took out a loan for £5,000 through Lloyds in 1999. He took out a single premium ... (3 pages)View decision -
Decision Reference DRN-4791020
22 Oct 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4791020 The complaint Mr M complains that TSB Bank Plc placed a default on his credit record after it closed his bank account. What happened In April 2023, Mr M opened an account with TSB. At the same time, he applied for an interest free arranged overdraft of £2,000. The applicatio... (3 pages)View decision -
Decision Reference DRN9283944
30 Jan 2017 TSB Bank plc Not upheldBanking and creditMiss E complains that TSB Bank plc recorded default on her credit file.backgroundIn May 2014 after TSB and Lloyds split Miss E elected to move her account away from TSB. Miss E has made a separate complaint about the transfer of her account and I am only addressin... (2 pages)View decision -
Decision Reference DRN-3236519
27 Jan 2022 MBNA Limited UpheldBanking and PaymentsDRN-3236519 The complaint Mr L has complained that MBNA Limited was irresponsible in lending to him. What happened In 2016, Mr L took out a credit card with MBNA for £10,000. The limit was increased to £13,000 over the following 18 months. The account was later closed. In 2021, Mr L compla... (3 pages)View decision -
Decision Reference DRN-3746315
28 Oct 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3746315 The complaint Mrs S complains that she is being chased by debt collectors for an outstanding debt Lloyds Bank PLC (“Lloyds”) wrongly sold to it. Mrs S is also unhappy about the service she received by Lloyds when trying to resolve her complaint. What happened Mrs S held a bank ... (3 pages)View decision -
Decision Reference DRN-5944530
10 Feb 2026 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-5944530 The complaint Miss J complains Brent Shrine Credit Union Limited trading as My Community Bank (MCB) acted irresponsibly by approving her for lending beyond her capacity to repay, without the repayments causing substantial financial distress. What happened In March 2023, Miss... (4 pages)View decision -
Decision Reference DRN2374929
17 Sep 2015 MBNA Limited UpheldBanking and creditMr G isn’t happy with the information MBNA Limited has recorded on his credit file.background In 2011 Mr G was having financial difficulties. He talked to a debt management company. Mr G then entered into a debt management plan (DMP). One of the debts was with MBN... (3 pages)View decision -
Decision Reference DRN4495364
1 Feb 2016 The Co-operative Bank Plc Not upheldBanking and creditMr F complains that The Co-operative Bank Plc wrongly recorded a default on his files with the credit reference agencies. Mr F also complains that The Co-op shouldn’t have allowed his account to become overdrawn as he didn’t have an agreed overdraft. He asks that ... (2 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 DRN2632963
18 Sep 2019 NRAM Limited Not upheldPayment protection insurance (PPI)Mr S’s complaint is a about a payment protection insurance (PPI) policy sold to him by NRAM Limited in 2005.The loan and PPI was sold by another business which later became part of NRAM Limited. I will refer to NRAM throughout this decision.backgroundIn March 2005 Mr S took out a loan for ... (3 pages)View decision