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
-
Decision Reference DRN-4440454
7 Nov 2023 TSB Bank plc UpheldBanking and PaymentsDRN-4440454 The complaint Miss B complains that TSB Bank plc shouldn’t have defaulted her current account as she had maintained regular repayment plans through a debt management plan. What happened In late August 2018, Miss B entered into a repayment plan with TSB to clear the outstanding ... (3 pages)View decision -
Decision Reference DRN-4430684
14 Nov 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4430684 The complaint Miss A complains that Barclays Bank UK PLC (Barclays) hasn’t communicated with her about a debt it says has been outstanding since 2014, leaving her facing unexpected financial consequences. What happened Miss A opened a student account with Barclays in July 2006.... (3 pages)View decision -
Decision Reference DRN-5814461
17 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5814461 The complaint Miss R complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased the limit. What happened Miss R applied for a Fluid credit card in January 2020. In her application, Miss R said she was emplo... (5 pages)View decision -
Decision Reference DRN6700665
22 Jun 2017 Nationwide Building Society UpheldBanking and creditMr M complains that Nationwide Building Society didn’t tell him about a debt it says he owed.background Mr M says he and his wife separated in 2007, and he told Nationwide about this. He says he wrote to Nationwide with his new address, and asked it to freeze his ... (2 pages)View decision -
Decision Reference DRN3678002
11 Apr 2016 HSBC Bank plc Not upheldPayment protection insurance (PPI)Miss J has complained that HSBC Bank Plc mis-sold her a payment protection insurance (PPI) policy. backgroundIn January 2003 Miss J took out a credit card with HSBC. She was sold a PPI policy at the same time. HSBC upheld Miss J’s mis-sale complaint and offered £1,436.... (2 pages)View decision -
Decision Reference DRN1350628
17 Nov 2016 Debt Management Associates Limited Not upheldBanking and creditMiss H complains that Debt Management Associates Limited, trading as Money Village, sold her a debt management plan that wasn’t appropriate for her and it didn’t manage the plan properly. She says she’d have been better off going bankrupt.backgroundMiss H started... (2 pages)View decision -
Decision Reference DRN9452119
22 May 2014 HFC Bank Limited Not upheldBanking and creditMr D says HFC Bank Limited unfairly applied charges to his credit card account with it. He is concerned about its response to him during a period of illness and financial difficulty. In particular, he complains about a collection charge it added to the debt. backgroundMr D became ser... (2 pages)View decision -
Decision Reference DRN4226469
7 Feb 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr Q and Miss R complain that Legal & General Partnership Services Limited gave unsuitable advice when it recommended a mortgage. They are represented by a claims management company (CMC). backgroundMr Q and Miss R sought advice from Legal & General in 2007. At that time they ... (2 pages)View decision -
Decision Reference DRN7834795
23 Apr 2015 NRAM plc UpheldBanking and creditMiss F has complained that NRAM plc has continued to hold her responsible for a mortgage for which she is no longer liable, and it has recorded information about that mortgage on her credit reference file.background I issued my provisional decision in March 2015. A ... (4 pages)View decision -
Decision Reference DRN8792621
15 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditBarclays Bank UK PLC won’t write off the amount Mr M owes on a credit card.backgroundMr M asked Barclays to write the amount off because his financial circumstances were such that he didn’t feel he could ever repay it. Barclays looked at Mr M’s income and expense... (3 pages)View decision
