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 DRN6177066
20 Mar 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr D complains that The Royal Bank of Scotland Plc set off money from his current account to reduce other debts with the bank and closed the account. backgroundMr D, who is in full time employment, set up a small business and obtained finance from the bank to fund it. Following a delay ... (1 page)View decision -
Decision Reference DRN3208805
28 May 2019 National Westminster Bank Plc Not upheldBanking and creditMrs L complains that National Westminster Bank Plc unfairly chased her for repayment of a loan.background In November 2006 Mrs L took out a loan with NatWest. It had a repayment term of 10 years.In August 2016 she called them to check that the repayments were due... (3 pages)View decision -
Decision Reference DRN1342950
4 Jun 2015 Specialist Mortgage Services Limited Not upheldBanking and creditMr L complains about the way in which Specialist Mortgage Services Limited has dealt with the recovery of an outstanding debt. backgroundMr L sold his property, mortgaged to ‘lender 1’, in 2009 for less than the mortgage balance. He thought that lender 1 had written o... (1 page)View decision -
Decision Reference DRN-2934853
21 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2934853 The complaint Ms S complains that NewDay Ltd trading as Marbles irresponsibly allowed her to open a credit card account which was unaffordable. What happened Ms S says the Marbles credit card account was unaffordable from the time it was opened, and that Marbles didn’t carry ou... (3 pages)View decision -
Decision Reference DRN6220427
8 Oct 2013 Lloyds Bank PLC Not upheldBanking and creditMr K complains that Lloyds TSB Bank Plc is wrongly holding him liable for the entire debt from a business loan. He says the bank has already been paid 75% of the debt under a government guarantee scheme.backgroundMr K was a sole trader and in 2008 he took out a business loan which was b... (2 pages)View decision -
Decision Reference DRN9766791
12 Jun 2019 Lowell Financial Ltd Not upheldBanking and creditMr A and Miss A complain that they repaid a loan in full in 2008, a long time before it was taken over by Lowell Financial Ltd. Miss A made monthly repayments between 2012 and 2018. They complain the payment arrangement was set up under duress at a time when Miss... (4 pages)View decision -
Decision Reference DRN2674500
8 Aug 2014 HSBC Bank plc Not upheldBanking and creditMr D complains that HSBC Bank plc, trading as first direct, telephoned him about his account, including at work, despite being requested not to do so. He says that these calls were harassment, and he wants compensation for the distress and embarrassment he has been caused.backgroundMr D... (1 page)View decision -
Decision Reference DRN3895504
17 Mar 2015 Barclays Bank Plc Not upheldBanking and creditThis complaint is about a mortgage current account (MCA) Mr W holds with Barclays Bank Plc. That’s a current account attached to a mortgage, with an overdraft facility. The overdraft is secured by the legal charge over the mortgaged property. Mr W complains that Barc... (2 pages)View decision -
Decision Reference DRN1750790
27 Nov 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMrs B complains about a County Court Judgement (CCJ) and a charging order that Cabot Credit Management Group Limited (CCMG) has obtained in relation to a personal loan debt. backgroundMrs B had a personal loan debt with a third party lender “B” that defaulted. In 2011, ... (2 pages)View decision -
Decision Reference DRN0375368
21 Dec 2015 Lloyds Bank PLC Not upheldPayment protection insurance (PPI)Ms G complains that Lloyds Bank PLC has been chasing her for a loan to be repaid which she says was written off in 2010. Ms G wants Lloyds to confirm the loan has been cleared.backgroundMs G took out a loan in 2003 with Lloyds. At some time during the loan, Ms G bou... (2 pages)View decision
