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 DRN1801337
22 Oct 2013 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank plc charged an unreasonable rate of interest on a loan to a company of which he was a director and that the bank would not agree to accept, in full and final settlement, an offered payment under his personal guarantee, of that company’s outstanding debt.... (2 pages)View decision -
Decision Reference DRN4524786
24 Mar 2020 Sainsbury's Bank Plc Not upheldBanking and creditMrs B has complained that Sainsbury’s Bank Plc (‘the bank’) has wrongly refused her claim under section 75 Consumer Credit Act 1974. backgroundMrs B says she had no choice but to use her Sainsbury credit card to pay around £4,000 to a company that claimed to be collecting, from her husband... (2 pages)View decision -
Decision Reference DRN2483530
6 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr E complains about the conduct of Barclays Bank Plc in relation to a debt it acquired and then sold. He says he did not know that he ever owed anything to the bank.backgroundBarclays bought Mr E’s credit card debt from another company in 2008. Mr E raises compl... (2 pages)View decision -
Decision Reference DRN-2846778
1 Jul 2021 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-2846778 The complaint Mrs T complains that Link Financial Outsourcing Limited trading as Honours Student Loans is chasing her for a debt she doesn’t think she should have to pay. She wants it to stop chasing her for the debt. What happened Mrs T tells us that she took out a student loa... (3 pages)View decision -
Decision Reference DRN-5375414
6 Mar 2025 Elderbridge Limited UpheldMortgagesDRN-5375414 The complaint Mrs C has complained about how Elderbridge Limited has dealt with her secured loan account. She says Elderbridge’s recent actions were contrary to how her account should have been handled due to her bankruptcy in 2013. Mrs C is also unhappy with how Elderbridge... (5 pages)View decision -
Decision Reference DRN-2798335
15 Dec 2021 Bamboo Limited UpheldConsumer CreditDRN-2798335 The complaint Mr R says Bamboo Limited lent to him irresponsibly. What happened Mr R took out a guarantor loan over 36 months from Bamboo on 7 June 2018. It was for £6,000 and the monthly repayments were £292.17. The total repayable was £10,518.22. I understand the loan remains... (5 pages)View decision -
Decision Reference DRN-5148746
20 Nov 2024 Intelligent Lending Limited UpheldMortgagesDRN-5148746 The complaint Mr and Mrs G complain that Intelligent Lending trading as Ocean recommended a second charge loan that was unsuitable for them. What happened Your In 2018, Ocean recommended that Mr and Mrs G should take took out a secured second charge loan. The loan was for £9... (4 pages)View decision -
Decision Reference DRN2928576
22 Dec 2015 Clear View Finance Limited UpheldBanking and creditMiss T complains that Clear View Finance Limited (Clear View) mismanaged her debt. She said only minimal payments had been made to her creditors. backgroundIn around February 2012, Miss T entered into a Debt Management Plan (DMP) with Clear View to manage her outstandi... (3 pages)View decision -
Decision Reference DRN-1372724
7 Oct 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-1372724 The complaint Mr B has complained about the fees and charges Santander UK Plc (“Santander”) applied to his current account. He’s said he’s paid £1800 in charges and this caused financial distress. What happened Mr B complained to Santander in April 2019. Santander didn’t agree ... (3 pages)View decision -
Decision Reference DRN-2125967
14 Oct 2020 Bank of Scotland Plc Not upheldMortgagesDRN-2125967 The complaint Mr and Mrs F have complained that Bank of Scotland plc (trading as Halifax) is asking them to pay a shortfall debt following the sale of their property after they handed back the keys. To settle the complaint they want the debt written off and for Halifax to stop ... (3 pages)View decision
