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 74313 results
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Decision Reference DRN3212384
17 Jun 2014 National Westminster Bank Plc Not upheldBanking and creditMrs E complains that National Westminster Bank Plc (NatWest) is still pursuing her for an outstanding credit card debt even though she has been paying it off for over a decade. She seeks clarification.backgroundMrs E opened a credit card account with NatWest some years ago and built up... (2 pages)View decision -
Decision Reference DRN-4015370
24 Mar 2023 Barclays Bank Plc Not upheldBanking and PaymentsDRN-4015370 The complaint A company, which I’ll refer to as G, complains that Barclays Bank Plc didn’t contact it about chargebacks raised against it, which resulted in a default being registered against it. G is represented by one of its directors, Mr D. What happened G is a merchant. In... (3 pages)View decision -
Decision Reference DRN5427804
25 Feb 2016 Idem Capital Securities Limited Not upheldBanking and creditMr and Mrs H complain about the way in which Idem Capital Securities Limited trading as Idem Servicing (Idem) pursued them for a debt. background In April 2008 Mr and Mrs H took out a loan. The debt was sold to Idem in December 2011.Mr and Mrs H said Idem should... (3 pages)View decision -
Decision Reference DRN7732869
11 Dec 2015 arvato Financial Solutions Limited Not upheldBanking and creditMr N complains that arvato Financial Solutions Limited have harassed him and wrongly chased him for a debt.backgroundMr N explains that he has been pursued by arvato for a debt that he disputes. He says that arvato have harassed him by making excessive silent telephon... (2 pages)View decision -
Decision Reference DRN-4528465
12 Dec 2024 Evolution Lending Limited UpheldMortgagesDRN-4528465 The complaint Mrs E complains that Evolution Lending Limited (Evolution) lent irresponsibly which has led to her falling into financial difficulties. What happened Mrs E was referred to Evolution by an intermediary who is not a respondent to this complaint. She was seeking a... (5 pages)View decision -
Decision Reference DRN3058563
29 Sep 2017 Nemo Personal Finance Limited Not upheldBanking and creditMr and Mrs J complain that Nemo Personal Finance Limited isn’t treating them fairly when they’re in financial difficulties. They want Nemo to accept their repayment plan to pay an extra £50 each month towards the arrears.background Mr and Mrs J have a secured loan wi... (4 pages)View decision -
Decision Reference DRN-1043918
6 Mar 2020 National Westminster Bank Plc Not upheldConsumer CreditDRN-1043918 The complaintMr G is unhappy that National Westminster Bank plc (the Bank) closed his account, requiring the repayment of an overdraft and separate credit card account balances, without providing a process to facilitate this. What happenedThe Bank wrote to Mr G in February 2019... (3 pages)View decision -
Decision Reference DRN5408621
8 May 2014 Santander UK Plc Not upheldBanking and creditMrs M complains that Santander UK Plc has not treated her fairly, in that it referred her debt to a third party and registered a default on her credit file. She says she has been making payments towards the debt, but that Santander unreasonably continued to apply charges to the account ... (2 pages)View decision -
Decision Reference DRN6647032
20 Jun 2013 HSBC Bank plc Not upheldBanking and creditMr K complains that HSBC Bank Plc transferred money in his personal current account in part repayment of a large debt which had arisen on his business account. The bank agreed to transfer the money back but Mr K also complains that the bank is wrong to continue to hold him responsible fo... (2 pages)View decision -
Decision Reference DRN-3400889
18 Aug 2022 Quilter Financial Limited Not upheldPensions and AnnuitiesDRN-3400889 The complaint Mr F complains about the advice given by an appointed representative of Quilter Financial Limited (‘Quilter’) to transfer the benefits from his defined-benefit (‘DB’) occupational pension scheme to a personal pension with a drawdown facility. He says the advice wa... (8 pages)View decision
