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 DRN2436994
31 Oct 2013 Lloyds Bank PLC Not upheldBanking and creditMr H complains that Lloyds TSB Bank Plc PLC lent irresponsibly to him after he informed the bank of his gambling problem. background The circumstances leading to this complaint were set out in my provisional decision dated 8 October 2013, a copy of which is attached and forms part of ... (5 pages)View decision -
Decision Reference DRN-4755320
19 Aug 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4755320 The complaint Mr T complains that Bank of Scotland plc, trading as Halifax put a default on his credit report for a debt he disputes and wasn’t aware of, and this has affected his ability to obtain credit. What happened When Mr T checked his credit report he noticed a defau... (3 pages)View decision -
Decision Reference DRN-3127793
31 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3127793 The complaint Ms J complains that loans she took out with Loans 2 Go Limited were unaffordable and should not have been provided. What happened Ms J is represented in bringing this complaint but for clarity I’ll refer to Ms J in relation to their representations. Ms J took out ... (3 pages)View decision -
Decision Reference DRN4416256
12 Jun 2018 Barclays Bank Plc Not upheldBanking and creditMrs C complains how Barclays Bank Plc has dealt with her financial difficulties.background Mrs C had a joint account with her ex-husband. She was going through a difficult divorce so in 2016 she asked Barclays to put the account on hold. She later found out Barclays ... (2 pages)View decision -
Decision Reference DRN9105378
14 Mar 2017 Barclays Bank Plc Not upheldBanking and creditMiss P has complained that Barclays Bank Plc made two errors which led to her ex-partner having access to her personal financial information.Miss P is also unhappy that Barclays passed her account to a collection agent and closed it incorrectly.backgroundMiss P’s acco... (2 pages)View decision -
Decision Reference DRN-3622248
1 Dec 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3622248 The complaint Mrs S complains that The Royal Bank of Scotland Plc sent her letters about her credit card account which she found threatening. What happened Mrs S was sent letters about her credit card account being in persistent debt. She says she found the tone of the letters ... (2 pages)View decision -
Decision Reference DRN-1617624
16 Jun 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1617624 The complaintMr W complains that The Royal Bank of Scotland Plc (RBS) sent his overdraft debt for recovery after asking it for help with his financial difficulties. What happenedMr W had a current account with an arranged overdraft of £2000. He had reached the overdraft limit b... (2 pages)View decision -
Decision Reference DRN2433300
26 Apr 2013 National Westminster Bank Plc Not upheldBanking and creditsummary of complaintMr K has complained that National Westminster did not provide assistance when he had difficulty paying his debts to it. He is seeking compensation and would like the bank to change its procedures. Mrs K has conducted the complaint on Mr K’s behalf. background to co... (2 pages)View decision -
Decision Reference DRN1144919
23 Jan 2015 HSBC Bank plc Not upheldBanking and creditMr E complains that HSBC Bank Plc did not notify him that it had removed his overdraft facility and that it recorded a default on his credit file which it has not removed despite him clearing his debt. backgroundMr E had a current account with a small overdraft limit. He did not make re... (2 pages)View decision -
Decision Reference DRN2472523
4 May 2018 Santander UK Plc UpheldBanking and creditMrs L complains that Santander UK Plc unfairly recorded information on her and Mr L’s credit reference files (CRF), which affected their ability to secure further credit at competitive rates.backgroundMr and Mrs L had a joint 123 current account with Santander; Mr L al... (4 pages)View decision
