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 70137 results
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Decision Reference DRN4589294
8 Oct 2018 Debt and Credit Ltd UpheldBanking and creditMr S complains that Debt and Credit Ltd (Debt and Credit) have overcharged him for managing his Debt Management Plan (DMP). He also complains that Debt and Credit shouldn’t have transferred his plan to another company without his consent.backgroundMr S entered into ... (4 pages)View decision -
Decision Reference DRN3945314
6 Oct 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditThe estate of Mr H has complained that The Royal Bank of Scotland Plc (RBS) irresponsibly lent Mr H money via a credit card account. The late Mr H’s estate is represented by his relative, Mrs C. backgroundMrs C says RBS didn’t carry out proper affordability checks... (2 pages)View decision -
Decision Reference DRN9108146
1 May 2013 Nationwide Building Society Not upheldBanking and creditsummary of complaintMrs K complains the bank has not taken sufficient action to assist her in her financial difficulties. In particular, she is unhappy with the charges applied to her account and is seeking a refund of the charges, plus interest, to resolve her complaint.background to... (2 pages)View decision -
Decision Reference DRN2777880
13 May 2020 Link Financial Outsourcing Limited Not upheldBanking and creditMrs T has complained via a third party that Link Financial Outsourcing Limited has unfairly pursued her for a debt it was servicing for another company. background Mrs T took out a credit card with a bank and arrears accrued on the account of just under £3,000. Mrs T agreed to pay the debt... (3 pages)View decision -
Decision Reference DRN-4605372
16 Apr 2024 Monzo Bank Ltd UpheldConsumer CreditDRN-4605372 The complaint Mr D complains that Monzo Bank Ltd lent to him irresponsibly. He says Monzo didn’t do enough to check he could afford to repay the lending sustainably. Mr D says the loan was unaffordable. What happened Mr D applied for a loan of £7,000 with Monzo in October 2021.... (3 pages)View decision -
Decision Reference DRN3479009
2 Oct 2019 GE Money Home Lending Limited Not upheldBanking and creditMr and Mrs F say that mortgage advice they received from GE Money Lending Solutions (an appointed representative of GE Money Home Lending Limited) was unsuitable. In particular, they don’t think it was good advice to consolidate some of their existing debts.backgroundMr and Mrs F remortgag... (4 pages)View decision -
Decision Reference DRN9792572
1 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMiss A complains Bank of Scotland plc trading as Halifax (Halifax) won’t let her pay money into a closed account with an outstanding overdraft. She’s unhappy her payments were either put into a new account or lost. She’s also tried to change her name from Mrs B to M... (3 pages)View decision -
Decision Reference DRN-3271650
24 Jan 2022 Telefonica UK Limited UpheldConsumer CreditDRN-3271650 The complaint Mr E complains that Telefonica UK Limited (trading as O2) allowed a third party to take out more than one fixed sum loan agreement in his name. What happened Mr E contacted O2 in late 2018 as he believed it had allowed someone to acquire a mobile phone using a fix... (6 pages)View decision -
Decision Reference DRN-2587417
5 Mar 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2587417 The complaint Ms W is unhappy that MBNA Limited won’t acknowledge that the outstanding debt on her credit card is that of her ex-fiancé, Mr O, and that MBNA won’t transfer the debt to him. What happened Ms W opened a credit card account with MBNA in April 2015 and added Mr O as... (2 pages)View decision -
Decision Reference DRN-4102168
19 May 2023 TSB Bank plc UpheldBanking and PaymentsDRN-4102168 The complaint Mrs J and Mr J complain that TSB Bank plc (TSB) defaulted their joint account and passed it to a debt collection agency (DCA). What happened Mrs J and Mr J opened their account with TSB in 2011. By 2019, they had an overdraft limit of £3,000. They ran into financi... (5 pages)View decision
