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 74386 results
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Decision Reference DRN3588576
24 Oct 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M doesn’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use his payment protection insurance (PPI) compensation to reduce a debt from which he was discharged when his protected trust deed came to an end.backgroundI issued my provisional decision on 22 August 2019. A copy o... (4 pages)View decision -
Decision Reference DRN-3766955
9 Nov 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3766955 The complaint Ms M complains that Santander UK Plc (‘Santander’) is seeking to recover a debt she believed it agreed to write off. What happened What Ms M says Ms M had a Santander student account. She says that in November 2020 she went into branch to pay off her overdraft and... (3 pages)View decision -
Decision Reference DRN2496211
21 Apr 2015 MKDP LLP Not upheldBanking and creditMr H complains that MKDP LLP is wrongly chasing him for a credit card debt that’s unenforceable and statute barred. And he says it should remove a default from his credit record. backgroundIn 2014 Mr H found that MKDP had registered a default against his credit file. ... (2 pages)View decision -
Decision Reference DRN8047012
11 Jul 2013 National Westminster Bank Plc UpheldBanking and creditMrs N complains that National Westminster Bank Plc unfairly recorded a default on her credit file, incorrectly linked an address and has repeatedly mis-managed her personal data. backgroundIn 2006 Mrs N and her ex-husband went to their local branch to notify it of their change in mari... (2 pages)View decision -
Decision Reference DRN9108146
1 May 2013 Nationwide Building Society Not upheldBanking and creditsummary of complaintMrs K complains the bank has not taken sufficient action to assist her in her financial difficulties. In particular, she is unhappy with the charges applied to her account and is seeking a refund of the charges, plus interest, to resolve her complaint.background to... (2 pages)View decision -
Decision Reference DRN-3747478
12 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3747478 The complaint Mrs A complains that NewDay Ltd acted irresponsibly when it increased the credit limit on her credit card. What happened Mrs A had a credit card account with NewDay. She says she was experiencing significant financial difficulties and was on a debt management plan... (6 pages)View decision -
Decision Reference DRN2141618
20 Jul 2016 Idem Capital Securities Limited Not upheldBanking and creditMiss M wants Idem Capital Securities Limited to correct her credit file, and compensate her for the trouble and upset its inaccurate information has caused.backgroundIdem bought Miss M’s debt from a third party in March 2012. There was a formal repayment arrangeme... (2 pages)View decision -
Decision Reference DRN-4150693
13 May 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4150693 The complaint Mr O complains National Westminster Bank Plc (“NatWest”) closed his accounts without explanation. Mr O also complains NatWest failed to properly support him in paying off his overdraft debt and registered a default against him. Mr O wants compensation for the dist... (4 pages)View decision -
Decision Reference DRN-4248579
29 Aug 2023 Gain Credit LLC UpheldConsumer CreditDRN-4248579 The complaint Mr R complains that Gain Credit LLC, trading as Drafty, did not treat him fairly in relation to the debt arising from the credit facility he applied for and used. What happened Using records and information from both parties here is a summary of what happened. Thi... (7 pages)View decision -
Decision Reference DRN6773788
12 May 2014 Liverpool Victoria Friendly Society Limited UpheldPayment protection insurance (PPI)Mr A’s complaint is about the amount of compensation he should receive from Liverpool Victoria Friendly Society Limited (“Liverpool Victoria”). Mr A believes he should receive all of the redress payable directly to him.backgroundMr A took out single premium PPI alongside a personal loan... (2 pages)View decision
