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 DRN-4526717
21 Dec 2023 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4526717 The complaint Mr J is unhappy with My Community Bank (‘MyCB’), who is a trading name of Brent Shrine Credit Union Limited. Although Brent Shrine Credit Union Limited is responsible for the actions of My Community Bank, for ease, I have referred to MyCB throughout this decision.... (8 pages)View decision -
Decision Reference DRN-1715934
15 Dec 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1715934 The complaint Mrs T complains that National Westminster Bank Plc (NatWest) is pursuing her for repayment of an overdraft from a business she isn’t involved with. She wants NatWest to contact her former business partner over the matter and there to be no impact on her credit rat... (3 pages)View decision -
Decision Reference DRN1104528
26 Sep 2014 Santander Cards UK Limited Not upheldBanking and creditMr R complains that he has been receiving letters from a debt collection firm for a debt that does not belong to him. The firm is dealing with a debt transferred to it by Santander Cards UK Limited. Mr R says that he has told Santander that he has never had an account with it. He wants... (2 pages)View decision -
Decision Reference DRN4722242
28 Oct 2019 Capital One (Europe) plc Not upheldBanking and creditMr H complains that Capital One (Europe) plc shouldn’t have given him a credit card. He says his credit history should have made Capital One aware that the lending was unaffordable for him.backgroundMr H applied for a credit card with Capital One in February 2016. Capital One issued him a ... (2 pages)View decision -
Decision Reference DRN5181939
8 Mar 2016 PDHL Limited Not upheldBanking and creditMiss O complains that PDHL Limited has provided her with inappropriate advice relating to adebt management plan (“DMP”) she entered into with them. The complaint has been brought to this service by a claims management company (“CMC”). But for simplicity I shall re... (2 pages)View decision -
Decision Reference DRN6485459
10 Aug 2016 Express Gifts Ltd UpheldBanking and creditMs W complains that Express Gifts Ltd (trading as Studio) wrongly held her liable for another person’s debt. backgroundMs W says that Studio made an administrative error which resulted in her being pursued for a debt owed by a person with a similar name. She says that in... (2 pages)View decision -
Decision Reference DRN4514384
12 Jan 2016 NRAM plc Not upheldBanking and creditMr and Mrs W complain that NRAM plc mis-sold a secured loan to them.backgroundMr and Mrs W took out a secured loan in 2007 to repay unsecured debts. Mr W says the loan was not affordable or suitable. NRAM knew they had financial difficulties. It did not tell them to se... (2 pages)View decision -
Decision Reference DRN-4900602
12 Sep 2024 Bank of Scotland Plc Not upheldConsumer CreditDRN-4900602 The complaint Mr O complains that Bank of Scotland plc didn’t report correctly on his credit file when he entered into a Debt Arrangement Scheme (DAS). What happened Mr O holds an account with Bank of Scotland. In 2020 Mr O entered into a DAS and began making monthly payment... (2 pages)View decision -
Decision Reference DRN1403077
15 Dec 2017 National Westminster Bank Plc UpheldBanking and creditMr N complains that National Westminster Bank Plc (‘NatWest’) has reported incorrect information to credit reference agencies.background Mr N had been paying back a loan to NatWest since 2011. In December 2016 he realised his credit file had incorrect information about... (2 pages)View decision -
Decision Reference DRN1434356
15 Jul 2015 Nationwide Building Society UpheldPayment protection insurance (PPI)Mr N has complained about the way Nationwide Building Society (“Nationwide”) wants to use his compensation following his complaint about the mis-sale of a payment protection insurance (“PPI”) policy.backgroundMr N took out a loan with Nationwide in 2001 and bought a PPI ... (3 pages)View decision