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 DRN1309239
21 Dec 2016 HFC Bank Limited Not upheldPayment protection insurance (PPI)Mr S’s complaint is that HFC Bank Limited (“HFC”) mis-sold him payment protection insurance (“PPI”) with a series of loans taken out between 2004 and 2007.backgroundHFC upheld Mr S’s complaint and made him an offer which was worked out following the same way we wou... (2 pages)View decision -
Decision Reference DRN8503667
10 Sep 2013 Creation Financial Services Limited UpheldBanking and creditMiss G complains that Creation Financial Services Limited applied interest and charges to her account since 2009, even though she was trying to pay it off under a debt management plan. backgroundWhen Miss G first set up the plan, in October 2009, she owed about £430. By October 2012,... (2 pages)View decision -
Decision Reference DRN5392747
29 Apr 2016 Lloyds Bank PLC Not upheldBanking and creditMr M complains about his current account with Lloyds Bank PLC. He says the bank didn’t give him sufficient information to enable him to make an informed choice when he agreed to settle his debt to the bank. backgroundMr M says that, at the relevant time, his overd... (2 pages)View decision -
Decision Reference DRN5585785
31 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMr W had a Barclays Bank Plc (trading as Barclaycard) credit card. He complains that Barclaycard failed to notify him of an unpaid debt, sold the debt to a debt recovery agency, and recorded adverse information on the file in his name held by credit reference agencies.background Mr W mad... (2 pages)View decision -
Decision Reference DRN7481408
17 Jul 2013 HSBC Bank plc Not upheldBanking and creditsummary of complaintMr D complains that HSBC Bank plc are holding him personally liable for an outstanding debt on a home management current account. Mr D previously held this account jointly with his late ex-wife, Mrs B. background In 1983 Mr D opened a joint account with the late ... (2 pages)View decision -
Decision Reference DRN0615332
3 Jul 2015 MKDP LLP Not upheldBanking and creditMr D complains about a default on his credit file. He wants MKDP LLP to remove it and to agree to a repayment plan he offered.background Mr D had a bank account which was overdrawn by over £450. In 2011 his bank closed the account and sold the debt to a debt c... (2 pages)View decision -
Decision Reference DRN8903429
10 Aug 2018 HB Financial Solutions Ltd UpheldBanking and creditMiss S complains that HB Financial Solutions Limited, trading as Harrington Brooks DebtManagement, ("HB"), didn’t repay her creditors promptly and so caused delays in theupdating of her credit file which resulted in her being declined credit.background Miss S e... (4 pages)View decision -
Decision Reference DRN-4493196
9 Jan 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4493196 The complaint Mr H complains that National Westminster Bank Plc is wrongly holding him personally liable for the debt of a limited company he used to be associated with. I will call that company R. What happened Mr H told us: In July 2022 he was a director of R. His fellow dir... (4 pages)View decision -
Decision Reference DRN9854894
30 Sep 2015 Fairline Financial Limited UpheldBanking and creditMrs and Mr S have complained about Fairline Financial Limited’s administration of their debt management plan. In particular, they say that payments to their creditors have been made late or not at all, and Fairline has applied a number of fees to their account whic... (3 pages)View decision -
Decision Reference DRN7870271
10 May 2018 Santander UK Plc UpheldBanking and creditMr C complains that Santander UK Plc didn’t default his credit card account promptly.backgroundMr C told us that he wrote to all the firms he owed money to in December 2011, including Santander. In early 2012 he entered into a debt management plan. He said he had th... (2 pages)View decision
