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 71335 results
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Decision Reference DRN9305077
23 Oct 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMrs R, who trades as Business D, complains that The Royal Bank of Scotland Plc (“RBS”) has allowed her to borrow more money than she could afford to repay.backgroundMrs R is a sole trader operating as Business D. Her business account is held with RBS. Between 2008 and... (3 pages)View decision -
Decision Reference DRN-5137196
12 Nov 2024 Evolution Lending Limited UpheldMortgagesDRN-5137196 The complaint Mr and Mrs Y complain that Evolution Lending Limited irresponsibly lent them a second charge mortgage (secured loan). What happened Mr and Mrs Y have taken out a series of secured loans with Evolution – in September 2016, April 2017, June 2018 and September 202... (5 pages)View decision -
Decision Reference DRN-4745597
1 Aug 2024 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-4745597 The complaint Mr K is unhappy that American Express Services Europe Limited (“AmEx”) closed his credit card account and transferred the resulting debt to a debt collection agency (“DCA”) without his having an opportunity to address AmEx’s concerns. What happened Mr K held a ... (3 pages)View decision -
Decision Reference DRN-3407955
30 Mar 2022 Arrow Global Limited Not upheldConsumer CreditDRN-3407955 The complaint Mrs H complains about the way Arrow Global Limited and its agents have treated her in relation to a debt it says was purchased in her name. Mrs H also complains Arrow hasn’t sent proof it now owns the debt in question and that it failed to respond to a Data Subjec... (3 pages)View decision -
Decision Reference DRN7609432
14 Aug 2015 Lloyds Bank PLC Not upheldBanking and creditMr H says that Lloyds Bank Plc (Lloyds) is chasing him for a debt which he believes he has settled with his former business partner. And he says Lloyds failed to tell him when they put him in default for that debt.Lloyds has apologised for the delay in telling ... (2 pages)View decision -
Decision Reference DRN-4003050
23 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4003050 The complaint Mr J is unhappy that Barclays Bank UK PLC (“Barclays”) recorded a default on his credit file for an account he believed was closed. What happened Mr J held a bank account with Barclays which he stopped using around the start of 2019. When he stopped actively using... (3 pages)View decision -
Decision Reference DRN0974653
29 Jun 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr F complains he was badly advised by Legal & General Partnership Services Limited. He says he was mis-sold a mortgage at the end of 2005 as the advice to consolidate his unsecured debts into an interest-only mortgage was unsuitable. Mr F is represented in his ... (3 pages)View decision -
Decision Reference DRN7783859
16 Oct 2017 Telefonica UK Limited Not upheldBanking and creditIn summary, Mr R has complained about how Telefonica UK Limited has dealt with a dispute he’s had with it. In particular he’s unhappy that it referred a debt in relation to one of his accounts to a debt collection agency.backgroundMr R had 2 accounts with Telefonica. ... (2 pages)View decision -
Decision Reference DRN4230110
11 Feb 2020 Lloyds Bank PLC Not upheldBanking and creditMrs K complains that Lloyds Bank PLC paid debt collectors, rather than her, a refund of charges on her account. She thought that she had cleared the balance with the debt collectors so the charges should’ve been refunded to her. backgroundMrs K held an account with Lloyds. There was an ove... (2 pages)View decision -
Decision Reference DRN4020785
8 Nov 2019 Oakam Ltd UpheldBanking and creditMr A complains that Oakam Ltd took money from his bank account without authorisation. He asks for an apology and compensation for his stress.backgroundMr A took out a £500 loan with Oakam in March 2015. The loan was repayable in instalments over three months. Repayments weren’t made on tim... (3 pages)View decision
