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-3331457
8 Aug 2022 Nationwide Building Society Not upheldBanking and PaymentsDRN-3331457 The complaint Mr S complains about Nationwide Building Society (“Nationwide”) for giving him misleading information about what was owed immediately on his credit card debt. He wants Nationwide to be held accountable and to pay him compensation or waive his debt. What happened M... (3 pages)View decision -
Decision Reference DRN3058563
29 Sep 2017 Nemo Personal Finance Limited Not upheldBanking and creditMr and Mrs J complain that Nemo Personal Finance Limited isn’t treating them fairly when they’re in financial difficulties. They want Nemo to accept their repayment plan to pay an extra £50 each month towards the arrears.background Mr and Mrs J have a secured loan wi... (4 pages)View decision -
Decision Reference DRN6591688
29 Apr 2014 Bank of Scotland Plc Not upheldBanking and creditMrs and Mr R complain that Bank of Scotland plc (trading as Halifax) gave them unsuitable advice when it recommended that they should re-mortgage and consolidate unsecured debts.our initial conclusionsOur adjudicator did not recommend that their complaint should be upheld. She said... (2 pages)View decision -
Decision Reference DRN-3480781
26 Jul 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3480781 The complaint Mr S complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) affected his credit rating. What happened Mr S had three credit cards from Barclaycard. The key facts are shown below: Card A Date Limit April 2020 £12,000 September 2020 £10,700 June 20... (5 pages)View decision -
Decision Reference DRN8229422
31 Mar 2019 Santander UK Plc Not upheldBanking and creditMr H complains about charges applied to his account by Santander UK Plc.background Mr H said that he used his Santander debit card to pay for transport. He didn’t have enough money in his current account to do that, but he said that Santander allowed the transaction... (3 pages)View decision -
Decision Reference DRN-4611065
21 Feb 2024 Conister Finance & Leasing Ltd Not upheldBanking and PaymentsDRN-4611065 The complaint A limited company, which I’ll call R, complains that Conister Finance & Leasing Ltd mis-sold it a bounce back loan (“BBL”) and unfairly usedc part of the proceeds to repay other debts. R is represented by its director, Mr H. What happened Conister told us: M... (3 pages)View decision -
Decision Reference DRN4087207
23 Mar 2015 MKDP LLP Not upheldBanking and creditMrs C has complained that MKDP LLP sent her confusing information about the legal ownership of a debt.I note that Mrs C has also made a complaint against the original creditor, which does not form part of the complaint I am addressing here, which is specifically rel... (2 pages)View decision -
Decision Reference DRN-3556753
19 Oct 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3556753 The complaint Miss W is unhappy with MBNA Limited’s proposed resolution after they wrongly sold her debt to a third party and recorded a default on her credit file. What happened Miss W maintained a credit card account with MBNA. In or around April 2019, MBNA had cause to issue... (2 pages)View decision -
Decision Reference DRN1365589
30 Sep 2015 Barclays Bank Plc UpheldBanking and creditMr J is unhappy that Barclays Bank PLC is asking him to repay a debt he says was caused by his ex-wife’s spending.background Mr J has a current account with Barclays. The account was originally in his name only. But in 2005, Mr J’s wife – now ex-wife - was added t... (4 pages)View decision -
Decision Reference DRN-4183093
14 Jun 2023 Santander UK Plc Not upheldBanking and PaymentsDRN-4183093 The complaint Mr G complains that Santander UK Plc unfairly recorded a default on his credit file. What happened Mr G says he was unwell and advised to write to his creditors to request they write off his debts. He says he asked Santander to write off his account balance which ... (2 pages)View decision
