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 70252 results
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Decision Reference DRN-2805102
7 May 2021 Progressive Money Limited UpheldConsumer CreditDRN-2805102 The complaint Ms G complained that Progressive Money Limited lent to her irresponsibly. What happened Ms G took out two loans with Progressive as follows: Loan Date Taken Date Repaid Instalments Amount Repayment 1 02/06/2017 20/12/2017 60 £6,000.00 £274.60 2 30/05/2018 *Outstan... (7 pages)View decision -
Decision Reference DRN4965375
29 May 2013 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs M complain about the information they were given before they sold their property through National Westminster Bank Plc’s Assisted Voluntary Sale (AVS) scheme. background Mr and Mrs M took out a mortgage and other credit commitments with NatWest. By June 2011, their circu... (3 pages)View decision -
Decision Reference DRN2106203
30 Jun 2016 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr H and Miss C by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr H and Miss C feel they were given unsuitable debt consolidation advice. Mr H and Miss C are represented by ... (3 pages)View decision -
Decision Reference DRN3801224
22 Jul 2015 MBNA Limited Not upheldBanking and creditMr M complains that MBNA Limited placed an incorrectly administered default on his account in 2011 and he feels it should’ve been registered in 2009 when he first disclosed he was in financial hardship. He also complains that MBNA’s commercial decision on when to def... (2 pages)View decision -
Decision Reference DRN1816948
31 Dec 2018 The Co-operative Bank Plc UpheldBanking and creditMr K complains about what The Co-operative Bank Plc (“Co-op”) did after he notified it of his ill health.backgroundMr K has a credit card account with Co-op. He told us that he’d notified Co-op about his ill health, which meant he wasn’t able to work. He said that Co... (2 pages)View decision -
Decision Reference DRN-2940109
23 Jul 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2940109 The complaint Mr G complains that Bank of Scotland (trading as Halifax) sent him a letter regarding persistent debt. He’s also unhappy that Halifax didn’t respond in a timely manner to his data subject access request (DSAR) and that it referred to his concerns as feedback. What... (4 pages)View decision -
Decision Reference DRN-3088268
2 Nov 2021 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-3088268 The complaint Mr H complains Royal Bank of Scotland Plc closed several accounts in his name and unfairly reported them as defaulted. What happened The background facts of this complaint were explained by the investigator who issued their view on Mr H’s complaint. I find no need... (4 pages)View decision -
Decision Reference DRN0639484
22 Oct 2015 Bank of Scotland Plc Not upheldBanking and creditMiss I complains about charges Bank of Scotland plc (trading as Halifax) applied to her current account.backgroundMiss I had a current account with Halifax. In 2009 she got into financial difficulties, and her account went overdrawn in 2009. Her account was sent to re... (1 page)View decision -
Decision Reference DRN-2743373
9 Apr 2021 Skyfire Insurance Company Limited UpheldInsuranceDRN-2743373 The complaint Mr R complains Skyfire Insurance Company Limited unfairly increased the premium on his motor insurance policy when he moved to a new house, and that they took too long to tell him why the premium had increased so significantly. What happened Mr R renewed his motor... (5 pages)View decision -
Decision Reference DRN7824805
19 Jun 2014 Microcredit Limited UpheldBanking and creditMr V and his representative complain that Microcredit Limited (trading as MiniCredit) should not have granted him a loan, it was unaffordable and about how it has treated him when experiencing mental health issues and financial difficulties.backgroundMr V applied online to MiniCredit fo... (3 pages)View decision
