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 DRN5427804
25 Feb 2016 Idem Capital Securities Limited Not upheldBanking and creditMr and Mrs H complain about the way in which Idem Capital Securities Limited trading as Idem Servicing (Idem) pursued them for a debt. background In April 2008 Mr and Mrs H took out a loan. The debt was sold to Idem in December 2011.Mr and Mrs H said Idem should... (3 pages)View decision -
Decision Reference DRN-4036463
3 Oct 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4036463 The complaint Ms D complains Lloyds Bank PLC (Lloyds) unfairly closed her credit card account. What happened Ms D held a credit card account with Lloyds for some years. Around November 2020, Lloyds considered the account to be in persistent debt. Over the next couple... (3 pages)View decision -
Decision Reference DRN-4430684
14 Nov 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4430684 The complaint Miss A complains that Barclays Bank UK PLC (Barclays) hasn’t communicated with her about a debt it says has been outstanding since 2014, leaving her facing unexpected financial consequences. What happened Miss A opened a student account with Barclays in July 2006.... (3 pages)View decision -
Decision Reference DRN9856252
22 Sep 2014 Clydesdale Bank Plc UpheldPayment protection insurance (PPI)Mrs A’s complaint is about the amount of compensation she should receive from Clydesdale Bank Plc (“Clydesdale”). Mrs A believes she should receive all of the compensation payable directly to her.backgroundClydesdale has agreed to compensate Mrs A and in September 2012 made an off... (2 pages)View decision -
Decision Reference DRN1155693
11 Jul 2013 Bank of Scotland Plc Not upheldBanking and creditMr V complains that Bank of Scotland Plc (“BoS”) has not treated him positively or sympathetically, pursuing him for repayment of a debt, when he was unwell. He also complains that they are seeking repayment of a credit card debt when he says he has never held a credit card. background... (2 pages)View decision -
Decision Reference DRN4106538
28 Jun 2013 HSBC Bank plc Not upheldBanking and creditMr T complains that when his employer accidentally paid his salary into his closed account with HSBC, HSBC Bank Plc (trading as HSBC) used the money to repay a debt owed by Mr T to HSBC even though a repayment plan was in place. Mr T asks that HSBC writes off his debt and pays him com... (2 pages)View decision -
Decision Reference DRN2632826
30 Jan 2015 NRAM plc Not upheldBanking and creditMs E and Mr B complain that Northern Rock (asset management) plc, trading as NRAM, continued to charge interest despite Ms E entering into an individual voluntary arrangement (IVA). They want the bank to refund half of the interest added to the loan during the period of the IVA.o... (2 pages)View decision -
Decision Reference DRN7449427
20 Jan 2015 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs A complain that Lloyds Bank plc is wrongly asking them to repay a debt for their limited company which is now dissolved. backgroundMr and Mrs A bought a business in 2005 and asked Lloyds for a loan. The bank refused to lend to them as they couldn’t provide it with enough fin... (2 pages)View decision -
Decision Reference DRN3456365
7 Sep 2018 NewDay Ltd Not upheldBanking and creditMr M complains NewDay Ltd (Marbles) unfairly defaulted his account and shared his personal information with a debt collector without his permission. He wants compensation and for the account to be returned from the debt collector.backgroundMr M tells us he made a paymen... (2 pages)View decision -
Decision Reference DRN3072994
24 Mar 2016 Shop Direct Finance Company Limited Not upheldBanking and creditMrs H complains about a repayment plan with Shop Direct Finance Company Limited. She complains that it is unfair that Shop Direct is asking for the arrears to be repaid when her repayment plan ended.backgroundMrs H has an account with Shop Direct. She wrote to Shop... (2 pages)View decision
