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 DRN0333870
15 Jun 2016 Santander UK Plc UpheldBanking and creditMr L complains that Santander UK Plc has not treated him fairly in that it gave him incorrect information about how to deal with a debt on a joint account which he held with his ex-wife. This led to the account remaining outside its limits and a default being appl... (2 pages)View decision -
Decision Reference DRN-2115239
4 Sep 2020 Bank of Scotland Plc UpheldMortgagesDRN-2115239The complaintMr S complains that Bank of Scotland plc (trading as Halifax) has been pursuing him for an incorrect amount through a debt recovery company, following the sale of his property that left him with a shortfall. What happenedMr S owned a property mortgaged through Halif... (3 pages)View decision -
Decision Reference DRN-2100011
25 Sep 2020 U K Insurance Limited Not upheldInsuranceDRN-2100011The complaintMiss M complains that U K Insurance Limited (“UKI”) registered a default on her credit file. What happenedMiss M had a car insurance policy with UKI. She had a credit agreement with it that required her to make monthly payments for the policy. In September 2019 she ... (3 pages)View decision -
Decision Reference DRN-1972658
3 Jul 2020 The Royal Bank of Scotland Plc UpheldBanking and PaymentsThe complaint Mr V, a sole trader, complains about what happened when he switched his business banking from The Royal Bank of Scotland Plc. What happened Mr V changed his business account using the account switching service. He said the account didn’t transfer properly. It had an overdraft... (3 pages)View decision -
Decision Reference DRN-5064890
18 Nov 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-5064890 The complaint Mrs B complains that Tandem Home Loans Ltd gave her a secured loan without adequately checking if it was affordable. What happened In 2018, Mrs B took out a secured second charge loan with 1 st Stop Home Loans, which is now called Tandem. I will refer to Tandem... (5 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 DRN4072944
15 Jul 2019 Bank of Scotland Plc Not upheldBanking and creditBank of Scotland plc sold Mr E’s account to a debt collection agency. It later told him it had sent the wrong figure, but it had put it right. Mr E is complaining because he wants:-more compensation than Bank of Scotland has given him, and -the details changed on his County Court Judgmen... (3 pages)View decision -
Decision Reference DRN9430779
26 Mar 2020 Paragon Finance Plc Not upheldBanking and creditMiss J complains via her professional representative that Paragon Finance PLC, trading as Idem Servicing (Idem) have incorrectly reported late payment markers to her credit file.BackgroundMiss J had a credit card account with her bank. Miss J’s circumstances changed, and she began to strug... (3 pages)View decision -
Decision Reference DRN-4273539
25 Oct 2023 Liverpool Victoria Insurance Company Limited UpheldInsuranceDRN-4273539 The complaint Mr M complains Liverpool Victoria Insurance Company Limited (LV) unfairly recorded a debt on his credit file after it cancelled his motor insurance policy. And after he settled the balance it failed to update his credit file with this information. What happened Mr... (3 pages)View decision -
Decision Reference DRN9928394
20 Jul 2018 Vanquis Bank Limited UpheldBanking and creditMiss R complains about Vanquis Bank Limited (“Vanquis”) concerning its decisions to allow her to open a credit card account and then to increase her credit limit on two occasions. Miss R believes that the lending was irresponsible. She also complains that Vanquis encour... (4 pages)View decision
