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 71155 results
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Decision Reference DRN9276359
9 Feb 2015 Bournes Limited UpheldBanking and creditMr Q has complained that Bournes Limited, trading as Bournes Debt Solutions, sold him a debt management plan he didn’t need. He is also concerned that they didn’t pass on the payments he made to them and didn’t tell him what would happen to his credit file when he entered a debt manageme... (2 pages)View decision -
Decision Reference DRN-2495434
11 Jan 2021 TSB Bank plc Not upheldBanking and PaymentsDRN-2495434 The complaint Miss A has complained that TSB Bank plc won’t remove a default from her credit reference files. What happened Miss A added her ex partner to her current account in April 2016. She said he’d coerced her into make her sole account a joint one. She said he then took ... (4 pages)View decision -
Decision Reference DRN7840541
20 May 2014 National Westminster Bank Plc UpheldBanking and creditMr and Mrs R complain that National Westminster Bank Plc mis-sold them a loan. backgroundIn early 2013 Mr and Mrs R tried to increase their mortgage to settle some of their other debts, but their application was refused by NatWest. Shortly afterwards NatWest contacted them about a tak... (2 pages)View decision -
Decision Reference DRN6366993
10 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMs W complains that Bank of Scotland plc (trading as “Halifax”) hasn’t dealt fairly with her in relation to her liability for an outstanding debt on her joint account.backgroundMs W held a joint account with a third party with Halifax. The third party spent on the ac... (2 pages)View decision -
Decision Reference DRN7950112
25 Oct 2017 Cabot Credit Management Group Limited UpheldBanking and creditMr L complains that Cabot Credit Management Group Limited (trading as Cabot Financial (Europe) Limited) are out of time to chase him for a debt. He wanted them to stop chasing him.backgroundMr L said Cabot were chasing him for a debt that was statute barred. He’d c... (3 pages)View decision -
Decision Reference DRN6591688
29 Apr 2014 Bank of Scotland Plc Not upheldBanking and creditMrs and Mr R complain that Bank of Scotland plc (trading as Halifax) gave them unsuitable advice when it recommended that they should re-mortgage and consolidate unsecured debts.our initial conclusionsOur adjudicator did not recommend that their complaint should be upheld. She said... (2 pages)View decision -
Decision Reference DRN-5064890
18 Nov 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-5064890 The complaint Mrs B complains that Tandem Home Loans Ltd gave her a secured loan without adequately checking if it was affordable. What happened In 2018, Mrs B took out a secured second charge loan with 1 st Stop Home Loans, which is now called Tandem. I will refer to Tandem... (5 pages)View decision -
Decision Reference DRN6783808
13 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMrs F complains about the way in which she has been treated by Lloyds Bank PLC.backgroundMrs F says that, following financial difficulties, she agreed to repay Lloyds £1 a month for a loan and current account debts. She says there are no problems with the loan repaymen... (2 pages)View decision -
Decision Reference DRN4756381
13 Apr 2017 Sainsbury's Bank Plc Not upheldBanking and creditMr N complains that Sainsbury’s Bank plc is refusing to accept what he believes are fair offers to settle his debts. He’s also unhappy it won’t tell him what it’s willing to accept.backgroundMr N took out a loan for £10,000 in 2014 but a year later he faced fina... (2 pages)View decision -
Decision Reference DRN8094228
23 Jul 2015 Foundation for Credit Counselling Not upheldBanking and creditMr P complains that Foundation for Credit Counselling, trading as StepChange Debt Charity, gave him wrong advice.our initial conclusionsWhen Mr P asked StepChange for advice, it advised him to make token payments of £1 to his unsecured creditors. But Mr P says this has led to his cre... (2 pages)View decision
