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 DRN-2602894
18 Mar 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2602894 The complaint Miss S complains that Bank of Scotland plc trading as Halifax (Halifax) lent to her irresponsibly. What happened Miss S opened a credit card with Halifax in April 2016 on an interest free deal. Her limits were as follows: Date Limit April 2016 £1000 June 2016 £150... (3 pages)View decision -
Decision Reference DRN-2802595
29 Jun 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2802595 The complaint Mrs M complains that MBNA Limited (MBNA) lent to her irresponsibly. What happened In June 2015, Mrs M applied for a credit card with MBNA on a balance transfer offer. This was agreed with a limit of £4200. There were two limit increases and several declined reques... (3 pages)View decision -
Decision Reference DRN3259367
16 May 2013 Bank of Scotland Plc Not upheldBanking and creditMr T complains about a number of administrative errors made by Halifax. He also wanted his credit file correcting.background Mr T said that Halifax passed his credit card account to a debt collection agency whilst he was on an agreed reduced payment arrangement. He later complained that... (2 pages)View decision -
Decision Reference DRN-3245760
2 Feb 2022 Lowell Financial Ltd Not upheldConsumer CreditDRN-3245760 The complaint Mr U complains about the information recorded by Lowell Financial Ltd on his credit file. What happened Lowell bought a debt in Mr U’s name from another business and wrote to him to confirm the outstanding balance and new arrangements. The balance was around £450 ... (2 pages)View decision -
Decision Reference DRN3212969
18 Jul 2016 1st Credit Limited UpheldBanking and creditMr and Mrs B complain that 1st Credit Limited (the business) is pursuing them for a debt they say is statute barred. They say that they have been given incorrect information about the timing for a debt being statute barred and given different information about the ... (3 pages)View decision -
Decision Reference DRN9858418
28 Jun 2017 Prestige Finance Limited UpheldBanking and creditMr S complains that Prestige Finance Limited have caused incorrect entries to be registered on his credit file and have refused to remove them. He wants us to order Prestige Finance Limited to remove them.backgroundMr S tells us that in 2011 he was declared bankrupt. ... (3 pages)View decision -
Decision Reference DRN-2138000
24 Sep 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2138000The complaintMr S complains that Santander UK plc didn’t remove him from a joint account he held with his ex-partner and he is now being chased for an outstanding debt on that account. What happenedIn May 2015, Mr S says he attended a branch of Santander with his ex-partner and ... (3 pages)View decision -
Decision Reference DRN-2587048
17 Feb 2021 Nationwide Building Society UpheldMortgagesDRN-2587048 The complaint Mrs P complains that Nationwide Building Society gave her false hope that following a successful payment arrangement, her arrears could be capitalised. This turned out not to be the case and as a result Mrs P has suffered distress and financial impact. What happe... (3 pages)View decision -
Decision Reference DRN-4008395
8 Mar 2023 Erudio Student Loans Limited Not upheldConsumer CreditDRN-4008395 The complaint Mr S complains Erudio Student Loans Limited have asked him to repay a debt he doesn’t have with them – making him feel harassed and bullied into making payments. What happened Mr S has a number of loans taken out with a company I’ll refer to as S, but now managed ... (3 pages)View decision -
Decision Reference DRN5681793
27 Dec 2017 HSBC Bank plc Not upheldBanking and creditMiss J complained about overdraft charges on her account with HSBC Bank Plc. She wants a refund of the charges, going back for the last six years.backgroundIn September 2017, Miss J wrote to HSBC about the overdraft charges on her account. She said she’d had several me... (2 pages)View decision
