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 71155 results
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Decision Reference DRN6100093
28 Oct 2015 Clear View Finance Limited UpheldBanking and creditMr C complains Clear View Finance Limited didn’t make all the monthly payments to his creditors that it agreed to make.backgroundMr C entered into a combined debt management and reduction plan with Clear View in 2012. Clear View said it would attempt to secure an overa... (2 pages)View decision -
Decision Reference DRN-2777889
8 Jul 2021 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2777889 The complaint Mr B complains that Barclays Bank UK PLC trading as Barclaycard acted unfairly when it refused to write off the balance on his credit card. What happened Mr B had a credit card account with Barclaycard. He says that he’s experienced financial and personal difficul... (4 pages)View decision -
Decision Reference DRN-1210527
21 Apr 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1210527The complaintMr A complains that National Westminster Bank Plc ("NatWest") unfairly recorded a default marker on his credit file, following its decision to write off a debt. What happenedMr A says NatWest closed his current account without warning and asked for repayme... (2 pages)View decision -
Decision Reference DRN9356265
31 Mar 2015 Bank of Scotland Plc Not upheldBanking and creditMiss W complains that Bank of Scotland plc (trading as Halifax) is refusing to provide the deed of novation and true certified copies (not photocopies) of the deed of assignment for named accounts after it sold her debts to third party debt collection agencies.back... (1 page)View decision -
Decision Reference DRN-5613469
10 Jun 2025 Santander UK Plc Not upheldBanking and PaymentsDRN-5613469 The complaint Mr K complains that Santander UK Plc unfairly sold a debt in his name without prior warning. What happened Mr K held a Santander credit card account which had defaulted in 2013. In 2024, Santander sold the outstanding debt to a third party debt buyer who I will... (3 pages)View decision -
Decision Reference DRN-4933479
7 Aug 2024 Fairscore Ltd UpheldConsumer CreditDRN-4933479 The complaint Miss G complains that Fairscore Ltd lent to her irresponsibly. What happened Miss G took out three loans with Fairscore Ltd as follows: In May 2021 Miss G took out a loan for £7,000 repayable over 36 months at £269.46 per month. In October 2022 Miss G took out ... (3 pages)View decision -
Decision Reference DRN4257330
28 Jun 2013 Black Horse Limited Not upheldBanking and creditMs D complains that Black Horse Limited sold her debt from a credit agreement on to a third party, when she was maintaining an agreed repayment plan.backgroundMs D took out a credit agreement with Black Horse (then Lloyds Bowmaker) in 1998. The money was to pay for replacement windows... (2 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 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
