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-3125026
2 Nov 2021 Bamboo Limited UpheldConsumer CreditDRN-3125026 The complaint Miss A says Bamboo Limited (trading as Bamboo Loans) lent to her irresponsibly. What happened Miss A took out a loan over 60 months from Bamboo on 27 August 2019. It was for £5000 and the monthly repayments were £197.09. The total repayable was £11,825.37. I under... (4 pages)View decision -
Decision Reference DRN3033590
29 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs R complain that Legal & General Partnership Services Limited mis-sold a mortgage to them.backgroundLegal & General recommended a 15 year repayment mortgage in 2006. It also advised them to consolidate an unsecured loan. Mr and Mrs R say the adv... (2 pages)View decision -
Decision Reference DRN0482732
7 Nov 2016 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs G complain that National Westminster Bank Plc wasn’t helpful when they found themselves in financial difficulties. In particular, it didn’t allow them to rent out their property while they were trying to sell, didn’t accept their offer of full and final s... (4 pages)View decision -
Decision Reference DRN-1958469
23 Nov 2020 The Co-operative Bank Plc Not upheldConsumer CreditDRN-1958469 The complaint Mr R complains that The Co-operative Bank plc (Co-op) incorrectly placed his loan account with a debt collection agency which led to his mortgage application being declined. What happened Mr R took out a loan with Co-op while he was a student in 2017 and in error ... (2 pages)View decision -
Decision Reference DRN9718128
26 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs S complain that the advice they received from an appointed representative of Legal & General Partnership Services Limited was unsuitable. In particular, they complain that the adviser:- contacted them by making an unsolicited marketing call;- did not properly consider the... (3 pages)View decision -
Decision Reference DRN2798034
26 Apr 2013 Clydesdale Financial Services Limited Not upheldBanking and creditsummary of complaintMr F complains that the terms of a timeshare, and the loan agreement to finance it, were misrepresented to him. He says he was told he would be able to exit all agreements after two years and that this was untrue. He also says that Barclays are wrong to continue to p... (3 pages)View decision -
Decision Reference DRN7840541
20 May 2014 National Westminster Bank Plc UpheldBanking and creditMr and Mrs R complain that National Westminster Bank Plc mis-sold them a loan. backgroundIn early 2013 Mr and Mrs R tried to increase their mortgage to settle some of their other debts, but their application was refused by NatWest. Shortly afterwards NatWest contacted them about a tak... (2 pages)View decision -
Decision Reference DRN7949260
5 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr B complains about the rate he has paid on loans he took with Barclays Bank Plc.backgroundMr B said that he took out a consolidation loan in 2013. He says that he wanted to pay off his credit card account with a new loan, and keep his pre-existing old loan, b... (2 pages)View decision -
Decision Reference DRN7870271
10 May 2018 Santander UK Plc UpheldBanking and creditMr C complains that Santander UK Plc didn’t default his credit card account promptly.backgroundMr C told us that he wrote to all the firms he owed money to in December 2011, including Santander. In early 2012 he entered into a debt management plan. He said he had th... (2 pages)View decision -
Decision Reference DRN-6029197
18 Dec 2025 Yorkshire Building Society Not upheldMortgagesDRN-6029197 The complaint Ms G complains about how Yorkshire Building Society trading as Chelsea Building Society (‘CBS’) handled the sale of her buy to let property in 2010 which led to a shortfall. She also complains that CBS recently added the resulting shortfall debt to the redempti... (4 pages)View decision