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
-
Decision Reference DRN1801337
22 Oct 2013 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank plc charged an unreasonable rate of interest on a loan to a company of which he was a director and that the bank would not agree to accept, in full and final settlement, an offered payment under his personal guarantee, of that company’s outstanding debt.... (2 pages)View decision -
Decision Reference DRN1593264
16 Nov 2015 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr R is unhappy that National Westminster Bank Plc (NatWest) has paid the refund from his mis-sold payment protection insurance (PPI) to the outstanding debt on his credit card account, rather than to him directly.background Mr R complained to NatWest that he had been ... (2 pages)View decision -
Decision Reference DRN-5531729
19 May 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5531729 The complaint Ms T has complained Wise Payments Limited misrepresented the status of her personal account and was unable to provide clear data about credits and debits made. She disputed there was ever a debt on the account when her account was closed. What happened Ms T hel... (2 pages)View decision -
Decision Reference DRN9447825
29 Apr 2013 Arrow Global Receivables Management Limited Not upheldBanking and creditMr B complains that Arrow Global has entered inaccurate information on his credit file, and that it was rude to him when he rang it to discuss an outstanding debt.background Mr B had a credit card with an outstanding balance of around £3,500. This debt was transferred to a third pa... (2 pages)View decision -
Decision Reference DRN5911696
30 Dec 2014 Motormile Finance UK Limited UpheldBanking and creditMs G has complained that Motormile Finance UK Limited, trading as MMF, ignored her requests about contacting her by letter only over debts they had bought from third parties. They continued to phone her at work and visited her at home.Ms G is represented in her complaint by her sister.... (3 pages)View decision -
Decision Reference DRN-5728832
4 Aug 2025 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5728832 The complaint Mr D complains that Clydesdale Bank Plc, trading as Virgin Money, have been unreasonable to default his account and not to agree to write off his debt. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide ... (2 pages)View decision -
Decision Reference DRN-3267740
26 Jan 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3267740 The complaint Miss B complains that Everyday Lending Limited trading as Everyday Loans contacted her Inappropriately concerning a loan she has with it. What happened Miss B has a loan with Everyday. In November 2019 she became homeless and was unable to work. She made contact w... (2 pages)View decision -
Decision Reference DRN8767611
19 Mar 2018 National Westminster Bank Plc Not upheldBanking and creditMr G and Miss B complain that National Westminster Bank Plc has defaulted their accounts.backgroundMr G and Miss B said that NatWest told them it was removing the overdraft facilities from their two joint accounts. They entered into a repayment agreement, and stuck to... (2 pages)View decision -
Decision Reference DRN0060423
9 Jun 2016 Avantcredit Of Uk, Llc UpheldBanking and creditMr B complains that AvantCredit Of UK LLC (trading as Springcoin) was irresponsible to lend him money he couldn’t afford to pay back. backgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 11 April 2016 ... (4 pages)View decision -
Decision Reference DRN0173690
25 Jan 2016 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mrs D’s complaint is about the way The Royal Bank of Scotland Plc (RBS) used the money it offered her as compensation for the sale of a payment protection insurance (PPI) policy.backgroundIn 2014 RBS upheld Mrs D’s complaint that it mis-sold a PPI policy with her l... (2 pages)View decision
