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 DRN4924182
31 Jul 2017 Arrow Global Limited UpheldBanking and creditMr H complains that Arrow Global Limited wrongly contacted him to ask for repayment of a debt that wasn’t his.backgroundMr H received letters from Arrow Global and from its debt collection agent chasing him for repayment of a debt. Arrow Global had obtained Mr H’s... (1 page)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 DRN8373652
8 Dec 2015 Cabot Financial (Marlin) Limited UpheldBanking and creditMr V complains that Cabot Financial (Marlin) Limited (the business) is chasing him for payment on an account that he has already settled.backgroundMr V says that he settled his account with the original account owner in October 2010. He says his account was migrated t... (2 pages)View decision -
Decision Reference DRN1775542
21 Mar 2014 HSBC Bank plc Not upheldBanking and creditMr and Mrs K complain that HSBC Bank plc wrongly charged monthly direct debits for their business credit card to their business current account – causing an unauthorised overdraft which they are now being required to repay. They want the bank to write off the debt.backgroundMr and Mrs K... (2 pages)View decision -
Decision Reference DRN5498450
17 Mar 2016 Bank of Cyprus UK Limited Not upheldBanking and creditMr F’s complaint is about how Bank of Cyprus UK Limited (BoC) handled an endowment policy it held as security for his borrowing with it.Mr F is represented in his complaint by a relative, whom I will call Mr A.background Mr F arranged a repayment mortgage with BoC ... (3 pages)View decision -
Decision Reference DRN0789162
19 Dec 2013 Bournes Limited UpheldBanking and creditMr L complains that Bournes Limited (trading as Bournes Debt Solutions) failed to administer his debt management plan correctly.backgroundMr L entered a “debt reduction plan“ with Bournes in March 2009. He paid Bournes £135 per month from April 2009 until November 2012 (£5,400 in tota... (2 pages)View decision -
Decision Reference DRN7064527
10 Apr 2018 Lowell Financial Ltd Not upheldBanking and creditMr Q is unhappy that Lowell Financial Ltd is seeking repayment of a debt from him when he says he wasn’t the person who opened and used the account to which the debt relates.background In October 2015 an online application was completed for a catalogue shopping ... (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 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 DRN-4611065
21 Feb 2024 Conister Finance & Leasing Ltd Not upheldBanking and PaymentsDRN-4611065 The complaint A limited company, which I’ll call R, complains that Conister Finance & Leasing Ltd mis-sold it a bounce back loan (“BBL”) and unfairly usedc part of the proceeds to repay other debts. R is represented by its director, Mr H. What happened Conister told us: M... (3 pages)View decision
