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 77331 results
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Decision Reference DRN6437998
25 Nov 2019 Lloyds Bank PLC UpheldBanking and creditMrs B complains that Lloyds Bank Plc has registered a charge on her property for a debt that was part of an Individual Voluntary Agreement (IVA) and has issued court proceedings against her which has resulted in a County Court Judgement (CCJ) recorded on her credit file.backgroundMrs B say... (3 pages)View decision -
Decision Reference DRN2167706
18 Mar 2016 MBNA Limited Not upheldPayment protection insurance (PPI)Ms H has complained that she was mis-sold a payment protection insurance (“PPI”) policy by MBNA Limited (“MBNA”).background Ms H took out a credit card with MBNA in October 2000 and at the same time took out a PPI policy to protect her repayments.Ms H wasn’t able to ... (6 pages)View decision -
Decision Reference DRN4183620
13 Feb 2017 Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr D is unhappy with the compensation Bank of Scotland plc (BoS) has offered to settle his complaint about a number of mis-sold payment protection insurance (PPI) policies.backgroundMr D took out 10 loans with BoS which all refinanced each other in a chain of loans. ... (4 pages)View decision -
Decision Reference DRN3371176
20 Feb 2015 The Mortgage Matters Partnership Not upheldBanking and creditMr and Mrs G complain that they were mis-sold a mortgage by The Mortgage Matters Partnership (MMP).backgroundMr and Mrs G had a mortgage, a secured loan, and some unsecured loans and credit cards. Acting on MMP’s recommendation, they re-mortgaged, consolidating their other debts to the... (2 pages)View decision -
Decision Reference DRN5920050
8 Oct 2019 Kapama Limited UpheldBanking and creditComplaintMr C complains that Kapama Limited unfairly administered his account concerning the amount and validity of the debt.BackgroundMr C took out a loan for £100 with lender M in November 2012. M entered liquidation and Mr C’s debt was sold to Kapama Limited. Mr C’s account balance with... (3 pages)View decision -
Decision Reference DRN0179945
24 Jan 2014 Barclays Bank Plc Not upheldBanking and creditMiss S complains about Barclays Bank Plc handling of her accounts. She says it has mis- sold her products, applied charges unfairly and was wrong to pass her details and sell her debt onto a third party. backgroundMiss S says that Barclays mis-sold her an account in October 2002. She als... (2 pages)View decision -
Decision Reference DRN-2683918
11 Aug 2021 UK Credit Limited Not upheldConsumer CreditDRN-2683918 The complaint Mr W complains that UK Credit Limited lent to him irresponsibly. What happened Mr W was given a single loan by UK Credit. He told UK Credit that the loan purpose was debt consolidation – in other words, to pay other debt. The main loan details are as follows: Date... (5 pages)View decision -
Decision Reference DRN-4003050
23 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4003050 The complaint Mr J is unhappy that Barclays Bank UK PLC (“Barclays”) recorded a default on his credit file for an account he believed was closed. What happened Mr J held a bank account with Barclays which he stopped using around the start of 2019. When he stopped actively using... (3 pages)View decision -
Decision Reference DRN6516469
9 Mar 2016 Lloyds Bank PLC UpheldBanking and creditMr L, represented by his mother, Ms K complains that Lloyds Bank plc mis-sold him two loans in 1998.backgroundMr L took out two loans with Lloyds in September and October 1998. Mr L couldn’t keep up with his monthly repayments. The bank defaulted the loans at the ... (2 pages)View decision -
Decision Reference DRN-3528071
27 Jun 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3528071 The complaint H, a limited company, complains Santander UK Plc unfairly removed an overdraft and later closed its business accounts. It also says Santander recorded a default marker in relation to the overdraft and overall, they provided a poor service and failed to offer it ap... (6 pages)View decision