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-2731330
7 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2731330 The complaint Miss B complains that NewDay Ltd irresponsibly lent to her. What happened In April 2017, Miss B took out an Aqua credit card with NewDay. At this time she set out she was employed, declared her income and NewDay was able to see her other outstanding debt from a c... (3 pages)View decision -
Decision Reference DRN4708227
29 Jun 2015 Clear Start Partnerships Limited Not upheldBanking and creditMr D complains that Clear Start Partnerships Limited, trading as Debt Free Direct, mis- advised him to enter into an Individual Voluntary Arrangement (IVA).backgroundFollowing advice from Debt Free Direct, Mr D entered into an IVA. He says there was enough equity in his ... (1 page)View decision -
Decision Reference DRN-4411591
27 Nov 2023 Barclays Bank UK PLC UpheldMortgagesDRN-4411591 The complaint Mr G has complained about a mortgage current account (“MCA”) linked to his mortgage he holds with Barclays Bank UK PLC. He says Barclays kept adding interest to the account without notifying him of the increasing balance which denied him the opportunity to do some... (9 pages)View decision -
Decision Reference DRN7633426
27 Oct 2016 Barclays Bank Plc Not upheldBanking and creditMiss G complains that Barclays Bank Plc mismanaged the sale of her business property, meaning the sale proceeds weren’t enough to clear her debts. She asks that Barclays writes off the balance of her loan. backgroundMiss G had a commercial mortgage from Barclays, sec... (3 pages)View decision -
Decision Reference DRN3104039
12 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr F complains that Lloyds TSB Bank Plc: Threatened to withdraw his business overdraft facilities unless he agreed that it could take a charge over his residential property, without giving him time to seek legal advice. Only took a charge over his property and not that of his busines... (2 pages)View decision -
Decision Reference DRN6100093
28 Oct 2015 Clear View Finance Limited UpheldBanking and creditMr C complains Clear View Finance Limited didn’t make all the monthly payments to his creditors that it agreed to make.backgroundMr C entered into a combined debt management and reduction plan with Clear View in 2012. Clear View said it would attempt to secure an overa... (2 pages)View decision -
Decision Reference DRN0595741
21 Aug 2018 HSBC Bank plc Not upheldBanking and creditMr B complains that HSBC Bank Plc closed his account and recorded a default on his credit file. background Mr B said that he ran up an overdraft on his HSBC account at a time when he was experiencing financial difficulties. He said that he spoke to HSBC, and it wro... (4 pages)View decision -
Decision Reference DRN-2024924
21 Sep 2020 Nationwide Building Society Not upheldBanking and PaymentsDRN-2024924The complaintMrs Y complains that Nationwide Building Society didn’t report her County Court Judgment (CCJ) as “satisfied” on her credit file when she had repaid the debt. What happenedMrs Y had a loan with Nationwide. In 2014, she was experiencing a difficult time was unable to... (4 pages)View decision -
Decision Reference DRN0369643
18 Dec 2015 Nationwide Building Society Not upheldBanking and creditMr S complains that Nationwide Building Society, after he had transferred his current account elsewhere, wrongly charged fees on a debt and recorded adverse information on his credit file. He wants the charges removed, his credit file reinstated, substantial compensation a... (2 pages)View decision -
Decision Reference DRN5632831
5 Sep 2019 Arrow Global Limited Not upheldBanking and creditMr F complains that Arrow Global Limited gave him the wrong balance for his account and misled him into thinking he’d paid off his debt when he hadn’t. backgroundArrow Global bought Mr F’s account from another company in 2015. It used another company (company B) to manage the debt. In May ... (2 pages)View decision
