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 70502 results
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Decision Reference DRN-3804187
14 Nov 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3804187 The complaint Mr H complains that The Royal Bank of Scotland Plc unfairly closed his account causing a default and reported this information to the credit reference agencies. What happened RBS carried out a review of accounts held by Mr H and decided to close them, giving him s... (3 pages)View decision -
Decision Reference DRN4242229
13 Sep 2013 Barclays Bank Plc UpheldBanking and creditMr Y complains that Barclays Bank Plc (the bank) ‘missold’ him two loans which it should have known he could not repay. backgroundThe two loans were granted in quick succession, the second one repaying the first and being around £2,000 greater. Mr Y has a medical condition which makes ... (2 pages)View decision -
Decision Reference DRN1020801
11 Sep 2015 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr H has complained that he was mis-sold a payment protection insurance (“PPI”) policy by Bank of Scotland plc (“BoS”), trading as Halifax.backgroundMr H took out a credit card with BoS and bought a PPI policy alongside it. He wasn’t able to keep up the minimum pay... (3 pages)View decision -
Decision Reference DRN-2695802
9 Aug 2021 Bamboo Limited UpheldConsumer CreditDRN-2695802 The complaint Ms S complains that Bamboo Limited provided her with a loan which she says was unaffordable. What happened Bamboo provided Ms S with a loan as follows: Loan Date taken Number of monthly instalments Loan amount Monthly repayment* Loan status 1 November 2018 24 £2,0... (5 pages)View decision -
Decision Reference DRN4087207
23 Mar 2015 MKDP LLP Not upheldBanking and creditMrs C has complained that MKDP LLP sent her confusing information about the legal ownership of a debt.I note that Mrs C has also made a complaint against the original creditor, which does not form part of the complaint I am addressing here, which is specifically rel... (2 pages)View decision -
Decision Reference DRN2759330
7 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs W complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs W had an existing mortgage. Acting on a recommendation from L&G, they re-financed it. In the process, they co... (2 pages)View decision -
Decision Reference DRN-3028239
28 Sep 2021 Santander UK Plc UpheldBanking and PaymentsDRN-3028239 The complaint Mrs B complains Santander UK Plc failed to investigate a fraud involving a loan and associated account being taken out in her name, and it unfairly held her liable. She wants to not be pursued for the loan debt and compensation for the financial loss and distress ... (4 pages)View decision -
Decision Reference DRN-2267959
29 Oct 2020 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-2267959 The complaint Mr M complains that Barclays Bank UK PLC unfairly registered a default on his credit file. What happened Mr M says he moved home but accepts he didn’t update Barclays with the new address. He says he was unaware that one of his Barclays Accounts was overdrawn and ... (2 pages)View decision -
Decision Reference DRN7921999
20 Jan 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr C is unhappy that Capital One (Europe) plc has used his payment protection insurance (PPI) refund to reduce his credit card balance instead of paying it directly to him.backgroundIn 2012, Capital One upheld Mr C’s complaint about mis-sold PPI. It worked out that ... (2 pages)View decision -
Decision Reference DRN9195215
25 Jun 2013 HSBC Bank plc Not upheldBanking and creditMr W complains that HSBC Bank plc has taken unreasonable bank charges from his business account, which could have been avoided had the bank not cancelled a meeting to discuss the account. He wants all but £28 of the outstanding balance refunded and an agreement reached for the repayment... (2 pages)View decision
