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 DRN2534321
27 Mar 2014 National Westminster Bank Plc Not upheldBanking and creditMrs Z complains that National Westminster Bank Plc pursued her for a debt on her joint account that she was not responsible for. She says, in any event, the bank had promised the other joint account holder it would not pursue her for this debt. She considers that the bank did not issue th... (3 pages)View decision -
Decision Reference DRN-4865418
24 Jun 2024 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4865418 The complaint Mr B complains that Brent Shrine Credit Union Limited trading as My Community Bank was irresponsible in its lending to him. He wants all interest fees and charges removed from his loan so that he is only liable for repaying the amount borrowed. What happened Mr B ... (5 pages)View decision -
Decision Reference DRN5008054
29 Sep 2020 Bank of Scotland Plc Not upheldBanking and creditMr D’s complaint is about the sale of his home following it being repossessed by Bank of Scotland plc (BoS). He believes it was sold for less than it was worth and disagrees that it was suffering from subsidence. In addition, Mr D is unhappy that BoS is pursuing him for the shortfall (the ... (3 pages)View decision -
Decision Reference DRN-3755365
28 Oct 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3755365 The complaint Mr M is unhappy that Santander UK Plc defaulted his account and passed his overdraft over to a debt collection agency. What happened Mr M had a current account with Santander, which had an arranged overdraft facility. In April 2020, Santander wrote to Mr M to let ... (3 pages)View decision -
Decision Reference DRN7859661
4 Jul 2016 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr F and Ms S by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr F and Ms S complain that they were given unsuitable mortgage advice when L&G recommended them to move to an ... (3 pages)View decision -
Decision Reference DRN9330155
7 Aug 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr T complains that the mortgage recommended by Legal & General Partnership ServicesLimited was unsuitable. He is represented in his complaint by a third party.backgroundMr T’s mortgage with his previous lender was repaid partly on a repayment basis, and partlyon interest-only. He als... (4 pages)View decision -
Decision Reference DRN-5012263
10 Sep 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5012263 The complaint Mr H complains Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) unfairly registered a default and passed this account to a debt purchaser. What happened In August 2021, Barclaycard issued a default notice to Mr H. As the arrears weren’t c... (4 pages)View decision -
Decision Reference DRN6194338
13 Dec 2019 PayPal Europe Sarl & Cie, SCA UpheldBanking and creditMiss G complains that she was chased by a collection agency for PayPal Europe Sarl & Cie, SCA, for a debt, of about £180, which was not hers.backgroundIn February 2018, Miss G received a letter from a debt collection agency, requesting a payment to clear a debt she owed to PayPal. Miss... (4 pages)View decision -
Decision Reference DRN2205109
26 Jun 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs V’s representative claims management company complains that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs V had a mortgage and contacted L&G for advice on a re-mortgage. T... (2 pages)View decision -
Decision Reference DRN1678374
21 Oct 2015 Kapama Limited Not upheldBanking and creditMr P has complained that Kapama Limited has unfairly recorded defaults against his credit file.backgroundMr P had a debt with a third party. This was later passed to Kapama. Mr P has complained that: he never owed money to Kapama (or its debt collectors); two defaul... (2 pages)View decision
