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 70772 results
-
Decision Reference DRN0148718
15 Jun 2016 American Express Services Europe Limited Not upheldBanking and creditMr C complains about how American Express Services Europe Limited has handled his request for a debt to be written off. He’s also unhappy with the way it dealt with his complaint.backgroundIn late 2015, Mr C asked both Amex and the agent which was collecting payments ... (2 pages)View decision -
Decision Reference DRN1554844
20 Jun 2019 Bank of Scotland Plc Not upheldBanking and creditMr A is unhappy that he’s being chased for the debt that was left when his property was sold in possession in 2009 by Bank of Scotland plc (trading as Birmingham Midshires).backgroundIn June 2007 Mr A took out a mortgage with Birmingham Midshires. He got into fina... (2 pages)View decision -
Decision Reference DRN-1872894
29 May 2020 Euler Hermes SA/NV Not upheldInsuranceDRN-1872894The complaintMr R is a director of a limited company I'll refer to as N. He's complained on N's behalf that Euler Hermes SA/NV turned down a claim on N's credit insurance policy. Mr R has been represented by Mr H in bringing this complaint. For ease of readin... (3 pages)View decision -
Decision Reference DRN-1210527
21 Apr 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1210527The complaintMr A complains that National Westminster Bank Plc ("NatWest") unfairly recorded a default marker on his credit file, following its decision to write off a debt. What happenedMr A says NatWest closed his current account without warning and asked for repayme... (2 pages)View decision -
Decision Reference DRN6331655
20 Aug 2014 National Westminster Bank Plc Not upheldBanking and creditMiss M complains about the service provided by National Westminster Bank Plc to a company of which she was a director. She wants a refund of charges made by the bank on the company’s account, and compensation for the time and trouble it has taken her to try and resolve various issues re... (2 pages)View decision -
Decision Reference DRN4463166
6 Jun 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs T - represented by a third party - complain that Legal & General Partnership Services Limited (“L&G”) mis-sold their mortgage. They say the advice to consolidate unsecured debts onto the mortgage was wrong, and the new life assurance policy set up wa... (2 pages)View decision -
Decision Reference DRN8181424
5 Oct 2015 Barclays Bank Plc UpheldBanking and creditMr D says Barclays Bank Plc is acting unfairly by refusing to remove a default from his credit file.background In 2000 Mr D opened an Egg credit card but Barclays took over the account in late-2011. For ease, I’ll call the business “Barclays” throughout the rest of t... (4 pages)View decision -
Decision Reference DRN-4104683
9 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4104683 The complaint Mrs C complains that NewDay Ltd trading as Aqua (Aqua) lent to her irresponsibly. What happened Mrs C applied for a credit card from Aqua in April 2016 and it was agreed with a limit of £300. There were subsequent increases in the limit as shown: Date Limit April... (4 pages)View decision -
Decision Reference DRN-1570004
15 Jun 2020 Arrow Global Limited UpheldBanking and PaymentsDRN-1570004The complaintMs O has complained about the handling of her debts by a debt collection agency, Arrow Global Limited. What happenedMs O fell into financial difficulties and in 2010 she set up payment arrangements on two of her credit cards, each for £20 per month. Her debts were s... (4 pages)View decision -
Decision Reference DRN6561350
24 May 2017 HSBC Bank plc UpheldBanking and creditMr W complains, in summary, about the customer service provided to him by HSBC Bank plc. He also believes that HSBC didn’t do proper checks when it sold an account to a debt purchaser (“T”), and as a result he’s been pursued for a debt which isn’t his.backgroundMr W... (3 pages)View decision
