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 DRN8282286
6 Nov 2013 Bank Of Scotland Equipment Finance Limited Not upheldBanking and creditMs S says Bank of Scotland Equipment Finance Limited is wrongly asking her to repay an outstanding balance from a hire agreement she took out for her business. Ms S holdsBank of Scotland responsible for misleading information she says she was given by the broker of the credit, and the... (3 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 -
Decision Reference DRN5008054
29 Sep 2020 Bank of Scotland Plc Not upheldBanking and creditMr D’s complaint is about the sale of his home following it being repossessed by Bank of Scotland plc (BoS). He believes it was sold for less than it was worth and disagrees that it was suffering from subsidence. In addition, Mr D is unhappy that BoS is pursuing him for the shortfall (the ... (3 pages)View decision -
Decision Reference DRN5160608
17 Jun 2014 MBNA Limited Not upheldBanking and creditMr R complains MBNA Limited administered his credit card account poorly and sold his debt to a third party. He also complains MBNA has been rude when dealing with his complaint.backgroundMr R had a credit card account with MBNA. Mr R regularly failed to make the minimum payment required... (2 pages)View decision -
Decision Reference DRN3736603
8 May 2013 Motormile Finance UK Limited Not upheldBanking and creditMiss A and Ms B complain that they are being pursued by Motormile Finance UK Limited (“MMF”) to pay an outstanding balance on a finance agreement. They say it was settled and closed in 2008 and they do not owe this money. They also say MMF’s behaviour was threatening and inappropriate. A... (3 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 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 DRN0615332
3 Jul 2015 MKDP LLP Not upheldBanking and creditMr D complains about a default on his credit file. He wants MKDP LLP to remove it and to agree to a repayment plan he offered.background Mr D had a bank account which was overdrawn by over £450. In 2011 his bank closed the account and sold the debt to a debt c... (2 pages)View decision -
Decision Reference DRN-5203629
7 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5203629 The complaint Mrs O complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Mrs O is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs O herself. Wh... (5 pages)View decision -
Decision Reference DRN-2783941
18 Feb 2022 Bamboo Limited Not upheldConsumer CreditDRN-2783941 The complaint Mr B complains Bamboo Limited irresponsibly lent to him. Mr B is represented by a claims management company. But for ease of reference; I’ll refer to all submissions if they were made by Mr B directly. What happened Bamboo approved Mr B for a £4,000 loan, with a t... (3 pages)View decision