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 DRN6373213
6 Jan 2017 Moorgate Loan Servicing Limited Not upheldBanking and creditMr P complains that Moorgate Loan Servicing Limited should have recorded a default against him sooner.backgroundIn December 2011, Moorgate purchased Mr P’s debt from another company. There was a period of transition during the transfer process. Mr P’s account was fully ... (2 pages)View decision -
Decision Reference DRN9250222
22 Jul 2014 Gregson and Brooke Ltd UpheldBanking and creditMrs C complains about a debt management plan she took out with Gregson and Brooke Ltd. She says the plan was meant to be helping her resolve her debt problems but it has not however done this. She feels she has not been treated fairly and has been charged excessively for five months. ... (2 pages)View decision -
Decision Reference DRN-2064033
31 Aug 2020 Nationwide Building Society Not upheldBanking and PaymentsDRN-2064033The complaintMr P complains about what happened after Nationwide Building Society took the agreed overdraft off his current account. He said that the account was defaulted, even though he was making payments, which he said he’d agreed with Nationwide. What happenedMr P had an ac... (3 pages)View decision -
Decision Reference DRN9035712
30 Mar 2020 Link Financial Outsourcing Limited UpheldBanking and creditMr I complains that Link Financial Outsourcing Limited has unfairly registered a default on his credit file for a debt he had agreed a repayment plan on.backgroundMr I agreed a repayment plan with a business for a credit card debt in 2006. In July 2017 that debt was reassigned to Link. Mr ... (2 pages)View decision -
Decision Reference DRN8406514
4 Apr 2016 Bank of Scotland Plc UpheldBanking and creditMr L complains that Bank of Scotland plc (trading as Halifax) asked him to repay a debt that had already been settled.backgroundMr L entered in to an Individual Voluntary Arrangement (IVA) in 2008. The IVA ended in 2013 but the final completion paperwork wasn’t sent out... (2 pages)View decision -
Decision Reference DRN-5007519
16 Sep 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-5007519 The complaint Mr M complains that Tesco Personal Finance PLC trading as Tesco Bank acted irresponsibly by increasing the credit limit on his credit card. What happened Tesco Bank increased Mr M’s credit limit on his credit card from £3,200 to £5,200 in December 2022. He says... (3 pages)View decision -
Decision Reference DRN5133247
29 Jan 2018 Lloyds Bank PLC Not upheldBanking and creditMrs O has complained about the way Lloyds Bank PLC have treated the debt owed on a joint account held with her ex-husband.backgroundMrs O was added to her husband’s account with Lloyds in 2007. In 2015 they separated and Mr O continued to use the joint account. The... (2 pages)View decision -
Decision Reference DRN-3049028
17 Sep 2021 Bamboo Limited UpheldConsumer CreditDRN-3049028 The complaint Mr M complained that Bamboo Limited irresponsibly provided him with loans which were unaffordable. What happened Bamboo provided Mr M with loans as follows: Loan Date taken Loan status Amount Term (months) Monthly repayment 1 05/06/2018 Repaid on 31/7/2018 £2,500 ... (6 pages)View decision -
Decision Reference DRN2433300
26 Apr 2013 National Westminster Bank Plc Not upheldBanking and creditsummary of complaintMr K has complained that National Westminster did not provide assistance when he had difficulty paying his debts to it. He is seeking compensation and would like the bank to change its procedures. Mrs K has conducted the complaint on Mr K’s behalf. background to co... (2 pages)View decision -
Decision Reference DRN7738944
12 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).our initial conclusionsOur adjudicator didn’t think the mortgage had been mis-sold.my final decisionTo decide what is fair and r... (2 pages)View decision
