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 DRN8234109
11 Mar 2014 Bournes Limited UpheldBanking and creditMr and Mrs Q complain about a debt management plan they entered into with Bournes Limited. They say payments were not distributed to their creditors as they expected them to be. They also complain that they were not kept updated with the progress of the plan.backgroundMr and Mrs Q enter... (3 pages)View decision -
Decision Reference DRN8607027
12 Oct 2016 National Westminster Bank Plc Not upheldBanking and creditMr C complains that National Westminster Bank Plc is pursuing him for a debt under a personal guarantee which he says is invalid. He also says that the bank stole money from his current account.backgroundMr C was the director of a limited company which I will call C. ... (2 pages)View decision -
Decision Reference DRN3994322
15 Dec 2014 Bank of Scotland Plc Not upheldBanking and creditMr B complains that Bank of Scotland plc (“the bank”) loaned to him irresponsibly, and that it has been wrong to continue to chase him for the debt, and then to sell his debt on to a collections agency.backgroundMr B took out a loan with the bank in 2006 over a seven-year term. He was a... (2 pages)View decision -
Decision Reference DRN9318318
27 Nov 2013 Student Loans Company Limited Not upheldBanking and creditMr T complains, in summary, that Student Loans Company Limited (“SLCL”) pursued him for a debt that was statute barred.backgroundMr T said that SLCL should not have pursued him for repayment of a debt in October 2008 because it was statute barred pursuant to the Limitation Act 1980. ... (2 pages)View decision -
Decision Reference DRN-4458022
15 Nov 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4458022 The complaint Mr F complains that Santander UK Plc closed his bank accounts but continued to allow his current account to operate, including allowing direct debit payments to be made from it. As he result, he ran up a debt which affected his credit rating. What happened Mr F he... (3 pages)View decision -
Decision Reference DRN0710246
18 Nov 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs L complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundActing on a recommendation from L&G, Mr and Mrs L re-mortgaged in 2005. In doing so, they switched lenders, borrowed furth... (3 pages)View decision -
Decision Reference DRN7392909
29 Sep 2016 Blue Finance Management Limited UpheldBanking and creditMiss C complains that Blue Finance Management Limited, trading as Debt Plan Direct, hasn’t paid her the agreed settlement amount of £621. She is being helped with her complaint by a representative.backgroundDebt Plan Direct made a settlement offer to Miss C of £621 in Mar... (1 page)View decision -
Decision Reference DRN-2916616
15 Jul 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2916616 The complaint Mrs S complains that Barclays Bank Plc trading as Barclaycard (Barclaycard) lent to her irresponsibly. Mrs S is represented by Mr S, her husband. What happened Mrs S had a credit card from Barclaycard from 2012. Between 2013 and 2018, her credit limit was increase... (4 pages)View decision -
Decision Reference DRN3824914
30 Mar 2019 Lowell Financial Ltd UpheldBanking and creditMr S complains that Lowell Financial Ltd wrote to him demanding payment of an outstanding debt when it’d agreed to correspond with his father. He says Lowell Financial won’t agree his father’s offer to settle the debt.This complaint is brought on Mr S’s behalf by h... (2 pages)View decision -
Decision Reference DRN4076246
23 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr A complains that he has made an overpayment to Lloyds Bank PLC on his original credit agreement and he disputes the amount he owes.background Mr A had two loan accounts and a current account overdraft. These defaulted and he has made repayments under a debt managemen... (2 pages)View decision
