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 71335 results
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Decision Reference DRN4540508
19 Jan 2016 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP wrongly applied for a county court judgement (CCJ), withouttelling him, after he agreed to pay a debt.backgroundMr H explains that he got paperwork from the court explaining that MKDP had applied forjudgement for a debt. He says that he ... (2 pages)View decision -
Decision Reference DRN8367630
18 May 2015 National Westminster Bank Plc UpheldBanking and creditMrs F guaranteed the debts of P, a limited company. She says National Westminster Bank Plc (“NatWest”) misled her about the extent of the guarantee. So she doesn’t think NatWest should be able to enforce it.background In 2008, NatWest loaned money to P. Mrs F sign... (3 pages)View decision -
Decision Reference DRN8177581
15 Jul 2015 Connells Limited UpheldBanking and creditMiss Y and Mr H complain that Connells Limited wrongly advised them to consolidate unsecured debt to their mortgage.backgroundMiss Y and Mr H took out a mortgage arranged by Connells in 2006. They were first time buyers and as they needed a 100% mortgage were recommend... (2 pages)View decision -
Decision Reference DRN8023327
26 Feb 2014 Santander UK Plc Not upheldBanking and creditMr and Mrs W complain that Santander UK plc (then Alliance & Leicester) made an error and provided them with a £25,000 overdraft instead of the agreed £2,500. They have spent the overdraft and say that Santander should be partially liable for their debt because of its error.backg... (2 pages)View decision -
Decision Reference DRN8631419
13 Feb 2019 MBNA Limited UpheldPayment protection insurance (PPI)Ms R complained about the amount of compensation MBNA Limited (MBNA) offered to settle her complaint about a mis-sold payment protection insurance (PPI) policy which was associated with her store card.backgroundMs R complained she had been mis-sold a PPI policy with her... (4 pages)View decision -
Decision Reference DRN-4858590
4 Dec 2024 Oakwood Homeloans Limited UpheldMortgagesDRN-4858590 The complaint Mr P complains that Oakwood Homeloans Limited is pursuing him for outstanding debt following the repossession and sale of his buy-to-let properties in 2016. The mortgages were secured against the properties but the sales left a shortfall that remains outstandin... (5 pages)View decision -
Decision Reference DRN-3958469
24 Mar 2023 Tandem Home Loans Ltd UpheldMortgagesDRN-3958469 The complaint Mr L complains that Tandem Home Loans Ltd (“Tandem”) lent to him irresponsibly as he had a significant gambling problem and numerous debts at the time he took out his secured loan. Mr L took the loan out with 1st Stop Home Loans Limited, which subsequently became ... (8 pages)View decision -
Decision Reference DRN-2495434
11 Jan 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2495434 The complaint Miss A has complained that TSB Bank plc won’t remove a default from her credit reference files. What happened Miss A added her ex partner to her current account in April 2016. She said he’d coerced her into make her sole account a joint one. She said he then took ... (4 pages)View decision -
Decision Reference DRN-5560310
15 May 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5560310 The complaint Mrs A complains that Lloyds Bank plc (‘Lloyds’) sent her letters about being in persistent debt and suspended her credit card when she’d been overpaying more than was required. Mrs A wants Lloyds to recognise the upset this has caused her. What happened In Ap... (4 pages)View decision -
Decision Reference DRN9857314
9 Dec 2013 Bank of Scotland Plc Not upheldBanking and creditMr R is unhappy that Bank of Scotland plc (trading as Halifax) is pursuing him for an outstanding debt on his credit card.backgroundMr R entered into an agreement with Halifax in August 2011 to pay £150 per month for 12 months to his credit card account. Halifax agreed to suspend charge... (2 pages)View decision
