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 DRN0834729
8 Aug 2013 Spreadex Limited Not upheldInvestment and pensionsMr F has complained that Spreadex Limited failed to remove a credit limit from his account after he had made it clear that he had a gambling problem. The removal of the credit limit was one of the conditions Mr F wanted to be met if he was to repay the deficit on his account. Mr F... (4 pages)View decision -
Decision Reference DRN8220464
22 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMiss W is unhappy about the charges applied to her Bank of Scotland plc (trading as Halifax) account.backgroundMiss W had an account with Halifax a number of years ago. The account became overdrawn and was passed to debt collectors. Miss W said Halifax didn’t give h... (2 pages)View decision -
Decision Reference DRN-2862258
9 Jun 2021 Bamboo Limited UpheldConsumer CreditDRN-2862258 The complaint Mr Z says Bamboo Limited lent to him irresponsibly and didn’t treat him fairly when he was having financial difficulties. What happened Mr Z took out a loan over 60 months from Bamboo on 31 January 2017. It was for £3000 and the monthly repayments were £118.25. Th... (4 pages)View decision -
Decision Reference DRN-4168153
29 May 2024 Jarvis Investment Management Limited Not upheldInvestmentsDRN-4168153 The complaint Mr P represents his business (a partnership held with his brother) in bringing this complaint. He says Jarvis Investment Management Limited (‘JIML’) has acted unreasonably in relation to the business’s share dealing account, which was allowed to incur debts on ove... (7 pages)View decision -
Decision Reference DRN1508961
27 Jan 2016 Lloyds Bank PLC Not upheldBanking and creditM, a partnership, complains loans it was given by Bank of Scotland plc were mis-sold. It also complains about the way the bank handled the recovery of its debt.backgroundThe background to M’s complaint is set out in the provisional decision issued on 18 November 20... (4 pages)View decision -
Decision Reference DRN-3416080
23 May 2022 Drydens Limited Not upheldConsumer CreditDRN-3416080 The complaint Mr D has complained about Drydens Limited pursuing him for a debt which he says he previously settled. What happened Both sides are most familiar with the case, so I’ll summarise things in brief. This complaint is about a credit card account which was opened in 20... (3 pages)View decision -
Decision Reference DRN5933279
20 Jan 2015 National Westminster Home Loans Limited Not upheldBanking and creditMr D complains that National Westminster Home Loans Limited wrongly accepted payment to redeem his mortgage following the compulsory purchase of his property. He asks for compensation of about £64,000 for his financial loss.backgroundIn 2001 Mr D’s property was damaged by fire. Mr D d... (2 pages)View decision -
Decision Reference DRN-4977340
20 Aug 2024 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-4977340 The complaint Mrs H complains that The Royal Bank of Scotland Plc (RBS) irresponsibly agreed credit for her. What happened RBS opened a credit card account for Mrs H in September 1999. It was unable to tell us what the opening credit limit was, but said that the last credit... (5 pages)View decision -
Decision Reference DRN-2767940
14 May 2021 Arrow Global Limited Not upheldBanking and PaymentsDRN-2767940 The complaint Mr T complains that Arrow Global Limited didn’t notify him that is was seeking to obtain a County Court Judgment (CCJ) against him in relation to a debt he’d accrued. He’d like the debt written off. What happened Mr T tells us that he didn’t receive any notice fro... (2 pages)View decision -
Decision Reference DRN-2937550
31 Aug 2021 PDL Finance Limited UpheldConsumer CreditDRN-2937550 The complaint Mrs B complains that PDL Finance Limited trading as Mr Lender hasn’t treated her fairly. What happened Mrs B had an outstanding debt with Mr Lender which she was repaying through a debt management plan (DMP). While in the DMP she received offers from Mr Lender to ... (3 pages)View decision
