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 76853 results
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Decision Reference DRN-3480781
26 Jul 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3480781 The complaint Mr S complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) affected his credit rating. What happened Mr S had three credit cards from Barclaycard. The key facts are shown below: Card A Date Limit April 2020 £12,000 September 2020 £10,700 June 20... (5 pages)View decision -
Decision Reference DRN5683845
6 Sep 2019 Drydens Limited Not upheldBanking and creditMr M complains that Drydens Limited told him the offer he made to settle a debt was acceptable, but then later said it wasn’t. background Mr M owes a debt to a lender. This lender employs Drydens to recover repayment of this debt from Mr M on its behalf. Drydens agreed a debt management pl... (3 pages)View decision -
Decision Reference DRN-2291430
2 Feb 2021 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2291430 The complaint Mrs C complains that The Royal Bank of Scotland Plc (“RBS”) informed her she was in persistent debt and it would close her credit card account. What happened Mrs C has held a credit card account with RBS since 2002. She acknowledges that she falls within the Finan... (3 pages)View decision -
Decision Reference DRN7911334
3 Sep 2013 Santander UK Plc Not upheldBanking and creditMr R complains that Santander UK Plc mis-sold him a loan, did not communicate with him about the loan status and did not respond positively and sympathetically when he told it he was experiencing financial difficulties. In February 2002, Mr R took out a Cahoot flexi-loan online. He ch... (2 pages)View decision -
Decision Reference DRN-3122159
25 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3122159 The complaint Mr G complains that NewDay Ltd (NewDay) lent to him irresponsibly. Mr G is represented by a claims management firm, but I will refer to Mr G as the complainant. What happened Mr G applied for an Aqua credit card from NewDay in June 2014. His limits were increased ... (3 pages)View decision -
Decision Reference DRN3824914
30 Mar 2019 Lowell Financial Ltd UpheldBanking and creditMr S complains that Lowell Financial Ltd wrote to him demanding payment of an outstanding debt when it’d agreed to correspond with his father. He says Lowell Financial won’t agree his father’s offer to settle the debt.This complaint is brought on Mr S’s behalf by h... (2 pages)View decision -
Decision Reference DRN6496694
26 May 2015 Allianz Insurance Plc Not upheldPayment protection insurance (PPI)Mrs J is unhappy with the way Allianz Insurance Plc (Allianz) has paid the compensation to settle her complaint about a mis-sold payment protection insurance (PPI) policy taken out with a loan.backgroundMrs J complained to Allianz about the sale of a PPI policy ta... (2 pages)View decision -
Decision Reference DRN3374131
25 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that a financial management plan was mis-sold to her and hasn’t been administered properly by Harrington Brooks (Accountants) Limited.backgroundMrs K entered into a financial management plan with a debt management company in October 2014. The debt managem... (2 pages)View decision -
Decision Reference DRN6242070
14 Apr 2015 The Royal Bank of Scotland Plc UpheldBanking and creditMr and Mrs K complain that The Royal Bank of Scotland Plc mis-managed their commercial loan. They ask for compensation for their financial loss.backgroundMr and Mrs K took out a commercial loan in 2005 secured by a charge on their business premises. RBS did not tell the... (3 pages)View decision -
Decision Reference DRN0042633
22 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs B complain that Lloyds Bank plc (previously Lloyds TSB Bank plc) was irresponsible when it offered them a loan. They ask that Lloyds agrees to accept a reasonable amount in settlement of their debt.backgroundMr and Mrs B say from 2001 onwards, Lloyds offered them increasing amo... (2 pages)View decision