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 DRN6108144
28 Oct 2014 Harrington Brooks (Accountants) Limited UpheldBanking and creditMr and Mrs D have complained that their debt management plan with Harrington Brooks (Accountants) Limited was unsuitable and not properly explained to them, and has adversely affected their credit rating.backgroundMr and Mrs D entered into a debt management plan with Harrington Brooks,... (2 pages)View decision -
Decision Reference DRN6025982
25 May 2016 Vanquis Bank Limited UpheldBanking and creditMr V complains that Vanquis Bank Limited (“Vanquis”) has not treated him fairly in that it incorrectly debited his credit card account twice, putting him well in excess of his credit limit. He would like Vanquis to write off the debt and close the account. backgro... (2 pages)View decision -
Decision Reference DRN4191211
16 Feb 2021 Madison CF UK Limited UpheldBanking and creditMiss S complains that Madison CF UK Limited, trading as 118 118 Money, lent to her irresponsibly and without carrying out proper affordability checks. She would like all the fees and charges associated with the loan refunded. background In July 2018 118 118 Money approved a loan of £2,000 ... (4 pages)View decision -
Decision Reference DRN5198860
17 Nov 2015 Barclays Bank Plc Not upheldBanking and creditMr and Mrs F complain that Barclays Bank Plc (trading as the Woolwich) hasn’t treated them fairly and sympathetically to help them find a way to pay off the outstanding debt at the end of their mortgage.background Mr and Mrs F had a residential mortgage with the Woo... (4 pages)View decision -
Decision Reference DRN2436994
31 Oct 2013 Lloyds Bank PLC Not upheldBanking and creditMr H complains that Lloyds TSB Bank Plc PLC lent irresponsibly to him after he informed the bank of his gambling problem. background The circumstances leading to this complaint were set out in my provisional decision dated 8 October 2013, a copy of which is attached and forms part of ... (5 pages)View decision -
Decision Reference DRN-4755320
19 Aug 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4755320 The complaint Mr T complains that Bank of Scotland plc, trading as Halifax put a default on his credit report for a debt he disputes and wasn’t aware of, and this has affected his ability to obtain credit. What happened When Mr T checked his credit report he noticed a defau... (3 pages)View decision -
Decision Reference DRN7292362
7 Jan 2014 National Westminster Bank Plc Not upheldBanking and creditMrs U complains about the service she has received from National Westminster Bank Plc. She repeatedly asked it for statements to show how much she owed, but it did not send them. She is also concerned that it may have mis-calculated her debt.backgroundIn 2007 NatWest obtained a county c... (1 page)View decision -
Decision Reference DRN9118493
24 Nov 2015 Wescot Credit Services Limited Not upheldBanking and creditMr G complains that Wescot Credit Services Limited (“WCSL”) has unfairly harassed him in pursuing him for a debt which had been settled, and that it hasn’t handled his data correctly.backgroundMr G had a debt with a lender (“L”). Mr G said that he had sent L a cheq... (3 pages)View decision -
Decision Reference DRN-3127793
31 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3127793 The complaint Ms J complains that loans she took out with Loans 2 Go Limited were unaffordable and should not have been provided. What happened Ms J is represented in bringing this complaint but for clarity I’ll refer to Ms J in relation to their representations. Ms J took out ... (3 pages)View decision -
Decision Reference DRN-3622248
1 Dec 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3622248 The complaint Mrs S complains that The Royal Bank of Scotland Plc sent her letters about her credit card account which she found threatening. What happened Mrs S was sent letters about her credit card account being in persistent debt. She says she found the tone of the letters ... (2 pages)View decision
