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 70370 results
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Decision Reference DRN6581348
22 Jan 2016 Sainsbury's Bank Plc Not upheldBanking and creditMrs B complains that Sainsbury’s Bank Plc recorded inaccurate information on her credit file. She also complains about poor customer service.backgroundMrs B had a loan and a credit card with Sainsbury’s. In 2008 she was made redundant. In January 2009 she agreed to re... (3 pages)View decision -
Decision Reference DRN7504712
18 Jun 2014 AIB Group (UK) Plc Not upheldBanking and creditsummary of complaintMr C complains that AIB Group (UK) Plc (“AIB Group”) removed the authorised overdraft limit from his current account, forcing him to take out a loan with it to replace the overdraft. He is also dissatisfied that the closure of his local branch has impacted on his... (2 pages)View decision -
Decision Reference DRN-2332916
30 Sep 2021 HCC International Insurance Company Plc Not upheldInsuranceDRN-2332916 The complaint A company which I’ll refer to as C complains that HCC International Insurance Company Plc (“HCC”) hasn’t paid the full value of a claim made against its Trade Credit insurance policy. Mr C, who is a director of C, brings the complaint on C’s behalf. C is represent... (3 pages)View decision -
Decision Reference DRN0534022
10 Dec 2018 Ulster Bank Ltd Not upheldBanking and creditMiss A complains that in 2014 Ulster Bank Ltd reported a default to a credit reference agency in relation to her student account. backgroundIn 2010, Miss A opened a student account with Ulster Bank. She used the account until November 2012. The last credit to the ... (3 pages)View decision -
Decision Reference DRN-3046382
15 Sep 2021 Allied International Credit (UK) Ltd UpheldConsumer CreditDRN-3046382 The complaint Mr and Mrs B complain about incorrect information and poor service from Allied International Credit (UK) Ltd (Allied) in relation to a loan account it administers for another business. What happened The background to this complaint and my initial conclusions were ... (3 pages)View decision -
Decision Reference DRN1204483
30 Sep 2015 Marlin Europe II Limited Not upheldBanking and creditMr S has complained about how he’s being pursued for a debt by Marlin Europe II Limited.backgroundMr S is being asked to repay a debt by Marlin. He has a lot of concerns about this, but many of these have already been looked at by this service. So this specific ... (2 pages)View decision -
Decision Reference DRN4908161
1 Aug 2013 Barclays Bank Plc Not upheldBanking and creditMr D complains that Barclays Bank Plc mis-sold him a consolidation loan which was unaffordable and left him worse off than before. He has nominated a representative to bring the complaint on his behalf.background Mr D had a loan, credit card and overdraft debts with Barclays. He and his... (2 pages)View decision -
Decision Reference DRN1414787
18 Jun 2015 Victorstone Financial Limited UpheldBanking and creditMr A complains that Victorstone Financial Limited didn’t manage his debt agreement properly and failed to pass on payments to his creditors. Mr A is represented by a relative, but for simplicity’s sake I shall refer to all representations made on his behalf as if they ... (2 pages)View decision -
Decision Reference DRN5531278
30 Sep 2014 Bank of Scotland Plc Not upheldBanking and creditThis complaint is about a mortgage Mrs K held jointly with her late husband, and for which she has had sole responsibility since he died. Mrs K complains that the mortgage, which was taken out to consolidate Mr K’s credit card debts, was lent irresponsibly, because Bank of Scotland Plc ... (2 pages)View decision -
Decision Reference DRN9094339
1 Nov 2017 Lowell Financial Ltd UpheldBanking and creditMiss L complains that Lowell Financial Ltd didn’t send her written confirmation that she’d cleared a debt - despite it promising to do so. She said this caused her worry and stress. She wants compensation.backgroundMiss L tells us she finished paying a debt to Lowe... (2 pages)View decision
