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 DRN2414274
11 Oct 2013 Bank of Scotland Plc Not upheldBanking and creditMr B complains that the interest rate charged on his Bank of Scotland plc, trading as Halifax, credit card was too high and Halifax has not responded positively or sympathetically to the financial difficulties he is experiencing. Mr B wants Halifax to help him address his financial diffi... (2 pages)View decision -
Decision Reference DRN2613293
2 Oct 2014 MBNA Limited Not upheldBanking and creditMr V complains that MBNA Limited sold his debt to another company, which is pursuing him for repayment, even though it had earlier sent him a statement showing a nil balance.background Mr V owed a debt on his credit card with MBNA, and had entered into a repayment arrangement. He maint... (2 pages)View decision -
Decision Reference DRN1328087
14 Dec 2017 Welcome Financial Services Limited Not upheldPayment protection insurance (PPI)Mr D has complained that Welcome Financial Services Limited (“Welcome”) has offset his payment protection insurance (“PPI”) refunds against an outstanding balance on his account. And he says Welcome didn’t make any attempt to contact him to try to resolve the matter at ... (2 pages)View decision -
Decision Reference DRN9404860
23 Jan 2019 J D Williams & Company Limited Not upheldBanking and creditMiss M complains that JD Williams & Company Limited has sold her debts to third parties and about the county court judgment that’s been entered against her.backgroundMiss M opened an online shopping account with JD Williams in January 2008. She didn’t make the repay... (2 pages)View decision -
Decision Reference DRN2912827
9 Dec 2015 Santander UK Plc Not upheldPayment protection insurance (PPI)Miss F has complained that she was mis-sold a payment protection insurance (“PPI”) policy by Santander UK Plc (“Santander”), trading as Alliance and Leicester.backgroundMiss F took out a loan through Alliance and Leicester in 2001 and at the same time took out a PPI ... (2 pages)View decision -
Decision Reference DRN4930652
18 Mar 2021 TFS Loans Limited UpheldBanking and creditMr R and Miss G have complained that TFS Loans Limited (“TFS” or “the lender”) should not have agreed a guarantor loan for them in May 2012. Background TFS agreed a joint loan of £4,000 for Mr R and Miss G on the 20 May 2012. The monthly repayment was £320 over two years, and the total amo... (8 pages)View decision -
Decision Reference DRN-3214100
15 Dec 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3214100 The complaint Mr B complained about Barclays Bank UK PLC. He’d been a victim of identity theft, with a fraudulent Barclays account set up in his name, and a debt incurred on it. Barclays said it had closed the fraudulent account, but around 18 months later, Mr B was contacted a... (4 pages)View decision -
Decision Reference DRN-4619746
26 Nov 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4619746 The complaint Mr M is unhappy with Bank of Scotland plc, trading as Halifax’s (Halifax) handling of his overdraft debt. Mr M says Halifax used the wrong date for reporting the default to the Credit Reference Agencies (CRAs) and has expressed concerns about the sale of the de... (4 pages)View decision -
Decision Reference DRN-4198367
9 Nov 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-4198367 The complaint A limited company, which I’ll refer to as B, complains that Barclays Bank UK PLC obstructed its attempts to clear the arrears on its Bounce Back Loan (“BBL”). B also complains that Barclays withdrew its online banking and made it difficult for it to use its curren... (6 pages)View decision -
Decision Reference DRN1922109
15 Aug 2013 BCB Solutions Limited UpheldBanking and creditMr L complains that BCB Solutions Limited (trading as MyClaimsExpert) failed to administer a debt management plan adequately, causing him severe distress.backgroundMr L set up a debt management plan with MyClaimsExpert in July 2011. This was to repay two debts with the same creditor, pr... (2 pages)View decision
