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 DRN3410996
30 Sep 2013 Santander UK Plc Not upheldBanking and creditMr T complains that Santander UK Plc failed to provide adequate warning before registering a default on his credit file and handled poorly his subsequent complaint.background Mr T took out a student account with Santander when he went to university and this subsequently turned into a gra... (3 pages)View decision -
Decision Reference DRN-2725535
20 May 2021 Lowell Financial Ltd Not upheldConsumer CreditDRN-2725535 The complaint Miss T is unhappy that Lowell Financial Ltd won’t amend or remove entries from her credit file. What happened Lowell bought several debts in Miss T’s name from various businesses. This service is dealing with a complaint relating to two of the accounts. Miss T ask... (2 pages)View decision -
Decision Reference DRN3208805
28 May 2019 National Westminster Bank Plc Not upheldBanking and creditMrs L complains that National Westminster Bank Plc unfairly chased her for repayment of a loan.background In November 2006 Mrs L took out a loan with NatWest. It had a repayment term of 10 years.In August 2016 she called them to check that the repayments were due... (3 pages)View decision -
Decision Reference DRN6728619
9 Jul 2018 Cabot Credit Management Group Limited Not upheldBanking and creditMr F complains about accounts he had with Cabot Credit Management Group Limited (Cabot). He’s unhappy about being asked to repay the accounts and that no proof has been provided confirming he actually owed anything. Mr F believes he’s been bullied by Cabot into repay... (3 pages)View decision -
Decision Reference DRN9308588
27 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr L complains, in summary, that he was mis-sold a loan because Lloyds TSB Bank plc led him to believe that it would be repaid from a remortgage that the bank would provide.background Mr L asked Lloyds TSB to help him by providing a loan of £25,000 so he could repay his credit card de... (2 pages)View decision -
Decision Reference DRN2694453
25 Sep 2013 HSBC Bank plc UpheldPayment protection insurance (PPI)This complaint concerns five payment protection insurance (PPI) policies taken out by Mr V. Mr V says HSBC Bank Plc (‘HSBC’) mis-sold the policies. backgroundMr V took out two credit cards with PPI, two personal loans with PPI and a mortgage payment protection insurance (MPPI) policy wit... (3 pages)View decision -
Decision Reference DRN4604086
8 Feb 2018 Cabot Credit Management Group Limited UpheldBanking and creditMr M complains that on a number of occasions Cabot Credit Management Group Limited t/a Cabot Financial (Europe) Limited gave him confusing information about whether he still owed money or notbackground Mr M borrowed money from a third party company. Some time later his d... (2 pages)View decision -
Decision Reference DRN-2783340
27 Apr 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2783340 The complaint Miss L complains that Barclays Bank UK PLC, trading as Barclaycard, failed to apply her credit card repayments to her account for several years, leaving her with an enormous bill to pay, and about related issues. What happened Miss L has a credit card account with... (4 pages)View decision -
Decision Reference DRN0734676
6 Mar 2017 Clydesdale Bank Plc Not upheldBanking and creditMr F complains that Clydesdale Bank Plc (“Clydesdale”) caused a debt his business owed it to increase, and that he’s been unfairly affected by its actions.backgroundIn 2007 Mr F and his partners at the time took out a business overdraft of £197,200. This was to be us... (4 pages)View decision -
Decision Reference DRN-5222395
19 Dec 2024 MBNA Limited UpheldConsumer CreditDRN-5222395 The complaint Mrs S says MBNA Limited irresponsibly lent to her. What happened Mrs S took out a loan for £8,000 over 60 months from MBNA on 23 November 2023. The monthly repayments were £201.81 and the total repayable was £12,108.60. Mrs S says she was already seriously inde... (3 pages)View decision