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 71335 results
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Decision Reference DRN-3122159
25 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3122159 The complaint Mr G complains that NewDay Ltd (NewDay) lent to him irresponsibly. Mr G is represented by a claims management firm, but I will refer to Mr G as the complainant. What happened Mr G applied for an Aqua credit card from NewDay in June 2014. His limits were increased ... (3 pages)View decision -
Decision Reference DRN9299308
23 Jun 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs R complain that Legal & General Partnership Services Limited’s advice to re- mortgage and consolidate debt was unsuitable.backgroundIn 2009 Legal & General recommended a £115,500 part interest only and part repayment mortgage to Mr and Mrs R. £93,00... (3 pages)View decision -
Decision Reference DRN5878907
10 Jan 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr B, represented by a claims management company (CMC), complains that his financial management plan (FMP) managed by Harrington Brooks (Accountants) Limited (the business) was mis-sold.backgroundMr B entered into a FMP in 2011. He says that he was not made aware that h... (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 DRN0933438
29 Oct 2013 National Westminster Bank Plc Not upheldBanking and creditMr L complains that National Westminster Bank Plc acted irresponsibly when it granted him successive loans and that it has acted unfairly.backgroundMr L took out six loans with National Westminster in a three year period – the last three of which were taken out in quick succession in a f... (2 pages)View decision -
Decision Reference DRN5963458
6 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr T complains about the way Barclays Bank Plc (trading as Barclaycard) treated him when he was in financial difficulties. He says this affected his credit file.backgroundIn January 2014 Barclays wrote to Mr T to say that he hadn’t made his monthly payment. Mr T resp... (2 pages)View decision -
Decision Reference DRN6673099
17 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditMr F complains that Lloyds Bank PLC is pursuing him for a debt which it said had been written off. He is represented in his complaint by his father.background Mr F had an overdrawn balance on his current account, and a personal loan with Lloyds. He was unable to repay what he owed, alt... (2 pages)View decision -
Decision Reference DRN-3766955
9 Nov 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3766955 The complaint Ms M complains that Santander UK Plc (‘Santander’) is seeking to recover a debt she believed it agreed to write off. What happened What Ms M says Ms M had a Santander student account. She says that in November 2020 she went into branch to pay off her overdraft and... (3 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 DRN9985061
14 Jan 2014 Santander Cards UK Limited Not upheldBanking and creditMr F complains that Santander Cards UK Limited registered a County Court Judgment (CCJ) against him despite his repeated attempts to settle a debt. It then did not update his credit file after he settled the account as ordered by the court. He asks for compensation and significant d... (2 pages)View decision
