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 74386 results
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Decision Reference DRN2768329
24 Jan 2014 Lloyds Bank PLC Not upheldBanking and creditMr B complains that poor service provided by Lloyds Bank PLC on his business account has led to financial problems and caused him serious inconvenience and distress. background Mr B had a loan and a business current account – with an authorised overdraft - with the bank. These accounts... (3 pages)View decision -
Decision Reference DRN1996111
22 Sep 2016 Robinson Way Limited Not upheldBanking and creditMr W complains that Robinson Way Limited is asking him to repay a debt that he disputes. backgroundRobinson Way pursued Mr W in respect of a debt. Mr W says that, even though he has made it clear to Robinson Way that he disputes liability and does not consider the d... (2 pages)View decision -
Decision Reference DRN4442312
17 Jan 2014 SBA Financial Ltd Not upheldBanking and creditMr and Mrs G complain that they received unsuitable mortgage advice from SBA Financial Ltd. Mr and Mrs G have also made a complaint about the lender, which I am considering separately.backgroundIn 2007 Mr and Mrs G took mortgage advice from SBA. They were recommended an interest-only... (2 pages)View decision -
Decision Reference DRN9999216
5 Feb 2016 Shop Direct Finance Company Limited UpheldPayment protection insurance (PPI)Miss M’s complaint is about the mis-sale of a payment protection insurance (PPI) policy and the way Shop Direct Finance Company Limited has used the compensation it offered to put things right.background Miss M complained that Shop Direct mis-sold her a PPI policy ... (2 pages)View decision -
Decision Reference DRN1444509
12 Mar 2015 Bank of Scotland Plc Not upheldBanking and creditMr M complains that Bank of Scotland plc, trading as Halifax, wrongly charged interest on his credit card account when he was in a payment plan, defaulted the account as a result of that interest being charged, and used a debt collection agency to purse him aggressively for repayment of ... (2 pages)View decision -
Decision Reference DRN0211377
10 Jun 2015 Microcredit Limited UpheldBanking and creditMs B complains about the charges and fees that Microcredit Limited trading as MiniCredit.co.uk added to her loan balance.backgroundMs B took out a £100 loan with Microcredit in September 2012. Shortly after borrowing the loan, she lost her job and was unable to repay th... (2 pages)View decision -
Decision Reference DRN9006321
11 Jul 2013 NCO Europe Limited Not upheldBanking and creditMr E complains about being asked to repay a debt by NCO Europe Limited. He believes he was harassed and is also unhappy that he did not receive anything to show that NCO Europe was authorised to collect the debt. Our service is dealing with several complaints by Mr E and I would stress t... (2 pages)View decision -
Decision Reference DRN8203146
4 Nov 2015 Mackenzie Hall Limited Not upheldBanking and creditMs M complains that Mackenzie Hall Limited (MHL) didn’t refund the £215.50 payment she made to them in respect of a payday loan account. backgroundMs M had an account with a payday lender between 2010 and 2014. The balance of this account was sold on to MHL, and then... (2 pages)View decision -
Decision Reference DRN-3778568
23 Jan 2023 The Royal Bank of Scotland Plc Not upheldInsuranceDRN-3778568 The complaint Ms B has complained about The Royal Bank of Scotland Plc (RBS) using the redress from a mis-sold payment protection insurance (PPI) policy to repay a debt, on the basis that it was written off when her protected trust deed ended. What happened Both sides are most ... (3 pages)View decision -
Decision Reference DRN-3464412
1 Sep 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3464412 The complaint Mr J complains that Bank of Scotland plc trading as Halifax (“Halifax”) irresponsibly increased his credit card limit when he was struggling with his finances. What happened Mr J applied for and was provided with a Halifax credit card account in 2009. Halifax agre... (4 pages)View decision
