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 DRN2087010
18 Dec 2015 WDFC UK Limited UpheldBanking and creditMr L is unhappy with the way WDFC UK Limited (trading as Wonga.com) has dealt with him and says his payday loans weren’t affordable and its lending was irresponsible. backgroundMr L took out some nine loans with Wonga in 2009. Mr L says he was caught in a payday l... (3 pages)View decision -
Decision Reference DRN-5793890
4 Nov 2025 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5793890 The complaint Mr M complains that Shawbrook Bank Limited was irresponsible in its lending to him. What happened Mr M was provided with a £9,500 loan by Shawbrook Bank. The loan term was 60 months, and Mr M was required to make monthly repayments of £218.30. Mr M said the loa... (3 pages)View decision -
Decision Reference DRN-2374858
30 Nov 2020 Bank of Scotland Plc UpheldBanking and PaymentsDRN-2374858 The complaint Mr D complains that Bank of Scotland plc, trading as Halifax, should pay him directly an amount it refunded to his credit card for interest, fees and charges that had been applied. He also complains about the support Halifax gave him while he was experiencing fina... (4 pages)View decision -
Decision Reference DRN9909759
30 Jan 2014 National Westminster Bank Plc Not upheldBanking and creditMrs L complains that National Westminster Bank Plc unfairly holds her solely liable for the overdraft debt on a business account and delayed providing her with information from its records.background Mrs L opened the business account with NatWest some years ago. She explains that the a... (2 pages)View decision -
Decision Reference DRN0456656
6 Jan 2016 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B through their representative MF complain that Legal & General Partnership Services Limited mis-sold them their mortgage and gave poor advice about debt consolidation. They want compensation.backgroundIn my provisional decision I set out why I didn’t intend ... (2 pages)View decision -
Decision Reference DRN8607027
12 Oct 2016 National Westminster Bank Plc Not upheldBanking and creditMr C complains that National Westminster Bank Plc is pursuing him for a debt under a personal guarantee which he says is invalid. He also says that the bank stole money from his current account.backgroundMr C was the director of a limited company which I will call C. ... (2 pages)View decision -
Decision Reference DRN4708227
29 Jun 2015 Clear Start Partnerships Limited Not upheldBanking and creditMr D complains that Clear Start Partnerships Limited, trading as Debt Free Direct, mis- advised him to enter into an Individual Voluntary Arrangement (IVA).backgroundFollowing advice from Debt Free Direct, Mr D entered into an IVA. He says there was enough equity in his ... (1 page)View decision -
Decision Reference DRN6701114
11 Jan 2018 J D Williams & Company Limited UpheldBanking and creditMr O complains that J D Williams & Company Limited are chasing him for a debt which he says doesn’t belong to him as he didn’t open the account. He wants the debt removed from his credit file. backgroundMr O complained to this Service. He said he was first told a... (2 pages)View decision -
Decision Reference DRN-3377617
20 Apr 2022 Clarkewood Limited UpheldClaims ManagementDRN-3377617 The complaint Ms R’s complained that Clarkewood Limited have chased her for payment of a success fee in relation to recovering mis-sold payment protection insurance (PPI) – but she doesn’t believe she ever instructed them. What happened In mid-2021, Ms R was being contacted dai... (2 pages)View decision -
Decision Reference DRN0710246
18 Nov 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs L complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundActing on a recommendation from L&G, Mr and Mrs L re-mortgaged in 2005. In doing so, they switched lenders, borrowed furth... (3 pages)View decision
