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 DRN-1617624
16 Jun 2020 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-1617624 The complaintMr W complains that The Royal Bank of Scotland Plc (RBS) sent his overdraft debt for recovery after asking it for help with his financial difficulties. What happenedMr W had a current account with an arranged overdraft of £2000. He had reached the overdraft limit b... (2 pages)View decision -
Decision Reference DRN-3622248
1 Dec 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3622248 The complaint Mrs S complains that The Royal Bank of Scotland Plc sent her letters about her credit card account which she found threatening. What happened Mrs S was sent letters about her credit card account being in persistent debt. She says she found the tone of the letters ... (2 pages)View decision -
Decision Reference DRN4416256
12 Jun 2018 Barclays Bank Plc Not upheldBanking and creditMrs C complains how Barclays Bank Plc has dealt with her financial difficulties.background Mrs C had a joint account with her ex-husband. She was going through a difficult divorce so in 2016 she asked Barclays to put the account on hold. She later found out Barclays ... (2 pages)View decision -
Decision Reference DRN9105378
14 Mar 2017 Barclays Bank Plc Not upheldBanking and creditMiss P has complained that Barclays Bank Plc made two errors which led to her ex-partner having access to her personal financial information.Miss P is also unhappy that Barclays passed her account to a collection agent and closed it incorrectly.backgroundMiss P’s acco... (2 pages)View decision -
Decision Reference DRN6557852
27 Oct 2015 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs G say that Lloyds Bank PLC has not helped them with their financial situation. This has led to a large debt now being owed.background Some of the issues being complained of are some ten years old. Mr and Mrs G’s complaint is that had Lloyds acted differen... (3 pages)View decision -
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-4755320
19 Aug 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4755320 The complaint Mr T complains that Bank of Scotland plc, trading as Halifax put a default on his credit report for a debt he disputes and wasn’t aware of, and this has affected his ability to obtain credit. What happened When Mr T checked his credit report he noticed a defau... (3 pages)View decision -
Decision Reference DRN2433300
26 Apr 2013 National Westminster Bank Plc Not upheldBanking and creditsummary of complaintMr K has complained that National Westminster did not provide assistance when he had difficulty paying his debts to it. He is seeking compensation and would like the bank to change its procedures. Mrs K has conducted the complaint on Mr K’s behalf. background to co... (2 pages)View decision -
Decision Reference DRN7148601
6 Nov 2013 National Westminster Bank Plc Not upheldBanking and creditMr S complains that National Westminster Bank Plc (“NatWest”) is holding him liable for an overdraft on the business account of his former limited company. background Mr S asked the bank to cancel the personal guarantee he had previously signed against a business current account. The ba... (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
