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 DRN6797780
21 Nov 2014 Microcredit Limited UpheldBanking and creditMr U has complained that Microcredit Limited, trading as MiniCredit.co.uk has applied excessive charges to a loan of £220 he took out in November 2012. backgroundMr U borrowed £220 from MiniCredit in November 2012. The total amount repayable was £283.80 within 30 days. Mr U entered into... (2 pages)View decision -
Decision Reference DRN-3982733
22 Feb 2023 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3982733 The complaint Mr S complains Barclays Bank UK PLC trading as Barclaycard won’t let him make a payment to clear one of his credit card accounts. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant ele... (8 pages)View decision -
Decision Reference DRN0482732
7 Nov 2016 National Westminster Bank Plc Not upheldBanking and creditMr and Mrs G complain that National Westminster Bank Plc wasn’t helpful when they found themselves in financial difficulties. In particular, it didn’t allow them to rent out their property while they were trying to sell, didn’t accept their offer of full and final s... (4 pages)View decision -
Decision Reference DRN6224144
4 Mar 2019 Mortgages Plc Not upheldBanking and creditMr B, represented by Mr W, has made a number of complaints arising from a mortgage he used to have with Mortgages Plc. the mortgage was mis-sold; Mortgages Plc mis-sold him payment protection insurance (PPI); after the property was taken into possession, Mortgages... (4 pages)View decision -
Decision Reference DRN1589949
7 Oct 2015 CitiFinancial Europe Plc UpheldBanking and creditMr B has complained CitiFinancial Europe Plc gave a credit card to his father without assessing whether he could afford to pay.Mr B is representing his father’s estate in this complaint. backgroundMr B’s father died in April 2014. He found out his father had taken... (2 pages)View decision -
Decision Reference DRN5036291
17 Jan 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMs D complains, in summary, that Cabot Financial (Europe) Limited, (“CFL”), hasn’t handled her debt reasonably.backgroundMs D entered into a credit card agreement with a credit card provider (“P”) in 2004. She fell into arrears and her account was defaulted by P in May 2... (3 pages)View decision -
Decision Reference DRN6190678
26 Jul 2013 Nationwide Building Society Not upheldInvestment and pensionsThis complaint concerns the surrender of Ms N’s endowment plan by Nationwide Building Society in September 2011. Ms N is not happy that she was not notified of the surrender before it happened and is not happy with the offer made by Nationwide to compensate her. background Nationwide... (2 pages)View decision -
Decision Reference DRN3370476
22 Mar 2018 Gain Credit LLC UpheldBanking and creditMr N complains about the information recorded on his credit file in relation to two loans that he took out with Gain Credit LLC (trading as Lending Stream) in 2013. backgroundThe background to this complaint was set out in my provisional decision I sent to both part... (6 pages)View decision -
Decision Reference DRN9291297
2 Aug 2013 National Westminster Bank Plc Not upheldPayment protection insurance (PPI)This complaint is about a personal loan taken out with National Westminster Bank Plc (“NatWest”), and the payment protection insurance (PPI) policy arranged with it. Mr and Mrs L complain that, because the PPI was mis-sold to them – a conclusion they apparently reached after an attempted ... (2 pages)View decision -
Decision Reference DRN5415398
19 Sep 2019 Legal & General Partnership Services Limited Not upheldBanking and creditAn appointed representative of Legal & General Partnership Services Limited (L&G) made a recommendation to Mr and Mrs P for a remortgage. They also consolidated a credit card debt and three loans into the new mortgage. They complain through their solicitors that the advice was unsu... (3 pages)View decision
