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 77095 results
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Decision Reference DRN9515129
6 May 2014 Firstplus Financial Group Plc Not upheldBanking and creditMr and Mrs F complain that their secured loan with Firstplus Financial Group Plc (Firstplus) was unsuitable to their circumstances because it extended beyond state retirement age.backgroundMr and Mrs F took out a secured loan for £60,000 over a term of 168 months with Firstplus through... (2 pages)View decision -
Decision Reference DRN2481341
14 Jun 2013 National Westminster Bank Plc Not upheldBanking and creditMr N complains that National Westminster Bank Plc abused its position as it allowed his debt to be increased because of unreasonable legal expenses. He would like the debt to be reduced.background Mr N provided a personal guarantee to NatWest in 2001, in support of lending advanced to h... (2 pages)View decision -
Decision Reference DRN6017676
20 Mar 2019 MBNA Limited Not upheldBanking and creditMr B complains that MBNA Limited irresponsibly gave him a credit card in 2015 when he was in an IVA, had outstanding debt and as it should’ve seen he was experiencing financial difficulties. He wants all the interest and charges he’s paid refunded, the debt written ... (2 pages)View decision -
Decision Reference DRN1768900
16 Jan 2018 Northern Bank Limited Not upheldBanking and creditMr and Mrs L complain that Northern Bank Limited was unwilling to help them set up a finance plan that would have consolidated the amount outstanding on their mortgage with their unsecured debts. They are also unhappy that the interest rate on their mortgage reverte... (2 pages)View decision -
Decision Reference DRN3622904
1 Dec 2015 Link Financial Outsourcing Limited Not upheldBanking and creditMr T complains that Link Financial Outsourcing Limited has been harassing him to repay a credit card debt.backgroundLink is acting on behalf of a third party who bought Mr T’s debt. He says that Link is sending him unsolicited letters and harassing him for a debt, des... (2 pages)View decision -
Decision Reference DRN-5927843
20 Nov 2025 Evolution Money Limited Not upheldMortgagesDRN-5927843 The complaint Mr R complains that Evolution Money Limited mis-sold a secured loan to him. What happened In 2022, Mr R took out a third charge mortgage. It was for £9,000 plus a product fee of £900 and a lender fee of £499 repayable over ten years on a variable interest rate ... (3 pages)View decision -
Decision Reference DRN3033590
29 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs R complain that Legal & General Partnership Services Limited mis-sold a mortgage to them.backgroundLegal & General recommended a 15 year repayment mortgage in 2006. It also advised them to consolidate an unsecured loan. Mr and Mrs R say the adv... (2 pages)View decision -
Decision Reference DRN7495784
17 Sep 2014 Barclays Bank Plc Not upheldBanking and creditMrs D complained because Barclays Bank PLC is pursuing her for debts on a joint account held with her husband. Mrs D and her husband are in the process of divorcing. Mrs D says that the account was only ever used by her husband, and she wants to be removed from the account, and from ... (3 pages)View decision -
Decision Reference DRN7949260
5 Oct 2017 Barclays Bank Plc Not upheldBanking and creditMr B complains about the rate he has paid on loans he took with Barclays Bank Plc.backgroundMr B said that he took out a consolidation loan in 2013. He says that he wanted to pay off his credit card account with a new loan, and keep his pre-existing old loan, b... (2 pages)View decision -
Decision Reference DRN7870271
10 May 2018 Santander UK Plc UpheldBanking and creditMr C complains that Santander UK Plc didn’t default his credit card account promptly.backgroundMr C told us that he wrote to all the firms he owed money to in December 2011, including Santander. In early 2012 he entered into a debt management plan. He said he had th... (2 pages)View decision