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 DRN-4860459
16 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4860459 The complaint Mrs E complains that Vanquis Bank Limited hasn’t refunded a credit card transaction which she says she didn’t authorise. What happened The circumstances of this complaint are well known to both parties, so I won’t repeat them in detail again here. But I’ll pro... (3 pages)View decision -
Decision Reference DRN6083560
8 Oct 2013 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs J complain that Bank of Scotland plc (Halifax) mis-sold them a further advance on their mortgage of around £15,000 in 2009. They complain that they were unaware of the amount of the loan and that it was unsuitable for them to change unsecured lending into lending secured... (5 pages)View decision -
Decision Reference DRN3212969
18 Jul 2016 1st Credit Limited UpheldBanking and creditMr and Mrs B complain that 1st Credit Limited (the business) is pursuing them for a debt they say is statute barred. They say that they have been given incorrect information about the timing for a debt being statute barred and given different information about the ... (3 pages)View decision -
Decision Reference DRN6220427
8 Oct 2013 Lloyds Bank PLC Not upheldBanking and creditMr K complains that Lloyds TSB Bank Plc is wrongly holding him liable for the entire debt from a business loan. He says the bank has already been paid 75% of the debt under a government guarantee scheme.backgroundMr K was a sole trader and in 2008 he took out a business loan which was b... (2 pages)View decision -
Decision Reference DRN2674500
8 Aug 2014 HSBC Bank plc Not upheldBanking and creditMr D complains that HSBC Bank plc, trading as first direct, telephoned him about his account, including at work, despite being requested not to do so. He says that these calls were harassment, and he wants compensation for the distress and embarrassment he has been caused.backgroundMr D... (1 page)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 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 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 DRN6673099
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr F complains that Lloyds Bank PLC is pursuing him for a debt which it said had been written off. He is represented in his complaint by his father.background Mr F had an overdrawn balance on his current account, and a personal loan with Lloyds. He was unable to repay what he owed, alt... (2 pages)View decision -
Decision Reference DRN3066228
31 Mar 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMiss R complains that she was mis-sold a loan by The Royal Bank of Scotland Plc. She felt pressured by RBS staff to take the loan to consolidate and refinance her debts and so reduce her monthly outgoings. But, she says that the loan was unaffordable and she is now in arrears. To make th... (2 pages)View decision
