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 71523 results
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Decision Reference DRN3176095
6 Feb 2017 Clydesdale Bank Plc Not upheldBanking and creditN, a limited company, complains that Clydesdale Bank plc sold its debt to an unregulated lender. It says this was in breach of the account terms and conditions and relevant laws and regulations. N is represented by its director, who I’ll call Mr P. It asks for compen... (2 pages)View decision -
Decision Reference DRN4537615
7 Oct 2020 Barclays Bank UK PLC Not upheldBanking and creditMr and Mrs T complain that Barclays Bank UK PLC mis-sold their mortgage. They say it didn’t consider how they would repay the interest only part of their mortgage, it didn’t adequately assess the suitability of consolidating unsecured debts and it didn’t consider how they would repay the m... (3 pages)View decision -
Decision Reference DRN9577779
14 Feb 2018 Lowell Portfolio I Ltd UpheldBanking and creditMr R has complained Lowell Portfolio I Ltd is asking him to pay for three debts which he says aren’t his.backgroundIn July 2017 Lowell wrote to Mr R at his current address asking him to pay three debts they’d bought from their original owners. Mr R said these ... (2 pages)View decision -
Decision Reference DRN9560654
29 Aug 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr J brought his complaint to this service as he was unhappy that National Westminster Bank Plc (NatWest) wanted to use the compensation connected with a complaint about a payment protection insurance (PPI) policy to offset an outstanding debt related to a current account overdraft and... (3 pages)View decision -
Decision Reference DRN4644891
30 Oct 2015 National Westminster Bank Plc Not upheldBanking and creditMr T complains about a National Westminster Bank Plc credit card debt on his credit file, which he thinks was settled several years ago. He says he had both a credit card debt and a loan debt with NatWest, but both debts were settled at the same time. He wants Na... (2 pages)View decision -
Decision Reference DRN8459197
26 Jan 2017 MBNA Limited UpheldBanking and creditMr P complains that MBNA Limited should have recorded a default against him in relation to his debt.backgroundMr P had a credit card debt with MBNA. In 2010, he says found himself in financial difficulties. He says used a debt management company (DMC) who contacted... (3 pages)View decision -
Decision Reference DRN5125486
12 Jul 2018 Barclays Bank Plc Not upheldBanking and creditMr H has a debt with Barclays Bank Plc that was transferred to it from another business. Mr H feels Barclays has treated him unfairly about his attempts to repay it since his payments towards the debt stopped in 2012.backgroundMr H says that Barclays has treated ... (2 pages)View decision -
Decision Reference DRN1451502
9 Nov 2015 Bank of Scotland Plc Not upheldBanking and creditMr H is unhappy that Bank of Scotland plc (trading as Halifax) won’t pay him directly a refund it’s offered to make of charges, interest and fees applied to his credit card and current accounts. backgroundSome years ago Mr H ran into some money problems and wasn’t ... (2 pages)View decision -
Decision Reference DRN7473047
4 Jun 2015 Motormile Finance UK Limited Not upheldBanking and creditMr D complains that Motormile Finance UK Limited, trading as MMF (“MMF”), is pursuinghim for debts that he is unaware of, and that it has added defaults to his credit file withoutnotifying him.background Mr D said that MMF had wrongly applied defaults to his credit ... (4 pages)View decision -
Decision Reference DRN5755534
23 May 2018 NatWest Markets Plc Not upheldPayment protection insurance (PPI)Mr A has complained about the way The Royal Bank of Scotland Plc (RBS) sorted out the overly-high commission they charged for a payment protection insurance (PPI) policy.backgroundBetween 2001 and 2009, Mr A had a PPI policy on his credit card.In 2013, Mr A entered a ... (3 pages)View decision
