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 70772 results
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Decision Reference DRN4836929
2 Aug 2013 Microcredit Limited UpheldBanking and creditMr R complains that Microcredit Limited did not respond positively or sympathetically to his financial difficulties when he was unable to repay a short-term loan.backgroundMr R took out a loan with Microcredit in October 2011. The terms of the loan meant he needed to repay the loan, plus ... (2 pages)View decision -
Decision Reference DRN7599641
28 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr P, represented by a claims management company (CMC), complains that Harrington Brooks (Accountants) Limited did not tell him about the free debt services available when he entered into his debt management plan (DMP). He also complains that distributions to his cred... (2 pages)View decision -
Decision Reference DRN0883399
6 Jul 2016 DEBT CORRECT Not upheldBanking and creditMrs V has complained that Debt Correct gave her unsuitable and incomplete advice when she entered into a debt management plan.Mrs V is represented in her complaint. But for clarity, I’ll refer to all submissions as having been made by her directly.backgroundIn 2012, M... (2 pages)View decision -
Decision Reference DRN5218766
16 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMs R has complained that Bank of Scotland plc, trading as Halifax, is asking her to pay two credit card debts. She believes that her details have been changed without her consent which has led to the arrears.This complaint is related to another complaint Ms R ha... (2 pages)View decision -
Decision Reference DRN2991915
4 Dec 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F complain that Legal & General Partnership Services Limited mis-sold a mortgage to them.backgroundIn 2005, the fixed rate period on Mr and Mrs F’s mortgage came to an end and they wanted to re-mortgage at a better rate. Legal & General recommended... (2 pages)View decision -
Decision Reference DRN9716827
2 Jul 2015 HSBC Bank plc Not upheldBanking and creditMiss S complains that HSBC Bank plc passed on a debt to a debt collection agency which she says arose as the result of fraud on her current account. She says the bank told her she would not be held responsible for the debt.backgroundOn 16 April 2008, a cheque for... (2 pages)View decision -
Decision Reference DRN3176095
6 Feb 2017 Clydesdale Bank Plc Not upheldBanking and creditN, a limited company, complains that Clydesdale Bank plc sold its debt to an unregulated lender. It says this was in breach of the account terms and conditions and relevant laws and regulations. N is represented by its director, who I’ll call Mr P. It asks for compen... (2 pages)View decision -
Decision Reference DRN-2467554
21 Jan 2021 American Express Services Europe Limited (AESEL) Not upheldBanking and PaymentsDRN-2467554 The complaint Mr I complained that American Express Services Europe Limited (AESEL) lent to him irresponsibly What happened Mr I applied for a credit card with AESEL. The application was approved, and the card was issued in June 2016. In the same month, AESEL reviewed the activ... (3 pages)View decision -
Decision Reference DRN6205095
26 Sep 2018 Clydesdale Bank Plc Not upheldBanking and creditMr B complains that Clydesdale Bank Plc sold his debt to an overseas company which isn’t regulated in the UK.backgroundMr B had a commercial real estate loan with Clydesdale which came to the end of its term in 2014.At that point, Clydesdale agreed to continue to all... (3 pages)View decision -
Decision Reference DRN3599966
2 Jul 2015 Ruthbridge Limited Not upheldBanking and creditMr G complains that Ruthbridge Limited was wrong to contact him about debts that weren’t his and refuse to provide further details.backgroundRuthbridge contacted Mr G about credit card debts on behalf of the debt owner. When Mr G responded it asked him for personal ... (2 pages)View decision
