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 70898 results
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Decision Reference DRN-3464086
13 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3464086 The complaint Mr S complains that NewDay Ltd (trading as Marbles) has recorded adverse information on his credit file about a credit card that he didn’t apply for. What happened In January 2020 Mr S became aware that a credit card account had been opened in his name and that th... (3 pages)View decision -
Decision Reference DRN8367630
18 May 2015 National Westminster Bank Plc UpheldBanking and creditMrs F guaranteed the debts of P, a limited company. She says National Westminster Bank Plc (“NatWest”) misled her about the extent of the guarantee. So she doesn’t think NatWest should be able to enforce it.background In 2008, NatWest loaned money to P. Mrs F sign... (3 pages)View decision -
Decision Reference DRN8468161
22 Mar 2019 Santander UK Plc Not upheldPayment protection insurance (PPI)Mrs C’s complaint is about the way Santander UK Plc (“Santander”) has compensated her for its mis-sale of a payment protection insurance (“PPI”) policy attached to a loan.backgroundMrs C took out a loan for £8000 in 2002. At the same time she was sold a single prem... (3 pages)View decision -
Decision Reference DRN3845433
6 Apr 2017 HSBC Bank plc Not upheldBanking and creditMiss S complains that HSBC Bank Plc recorded adverse information on her credit reference file.backgroundIn 2012 Miss S was made redundant and she faced financial difficulties through no fault of her own. She contacted the bank and it assisted her with other account... (2 pages)View decision -
Decision Reference DRN6545847
13 Oct 2015 HSBC Bank plc Not upheldBanking and creditMr K, a director of M, a limited company, says HSBC Bank Plc (“HSBC”) has treated him unfairly with regard to a bank account.backgroundMr K has said “I have banked with HSBC, since August 2005 using 2 accounts (gives account details) with my wife and a business ac... (2 pages)View decision -
Decision Reference DRN6667437
14 Jun 2019 HSBC UK Bank Plc Not upheldBanking and creditS, a limited company, complains that HSBC UK Bank Plc unfairly closed its accounts and appointed debt collectors. S is represented by its director, who I’ll call Mr A. backgroundHSBC closed S’s accounts in early 2018. Mr A says HSBC closed the accounts because it... (2 pages)View decision -
Decision Reference DRN1110169
17 Jun 2014 Barclays Bank Plc UpheldBanking and creditMr G seeks a substantial increase in compensation offered to him by Barclays Bank PLC. Mr G experienced several years of being pursued by debt collection agencies for debts which were incurred by someone else. That person had the same first and last names, but also had a middle in... (2 pages)View decision -
Decision Reference DRN5585321
10 May 2018 MEM Consumer Finance Limited UpheldBanking and creditMr F complains that MEM Consumer Finance Limited (trading as Payday UK) gave him loans that he couldn’t afford to repay.backgroundThe background to this complaint was set out in my provisional decision dated March 2018. An extract from this is attached and forms part ... (5 pages)View decision -
Decision Reference DRN-2138000
24 Sep 2020 Santander UK Plc Not upheldBanking and PaymentsDRN-2138000The complaintMr S complains that Santander UK plc didn’t remove him from a joint account he held with his ex-partner and he is now being chased for an outstanding debt on that account. What happenedIn May 2015, Mr S says he attended a branch of Santander with his ex-partner and ... (3 pages)View decision -
Decision Reference DRN-4933479
7 Aug 2024 Fairscore Ltd UpheldConsumer CreditDRN-4933479 The complaint Miss G complains that Fairscore Ltd lent to her irresponsibly. What happened Miss G took out three loans with Fairscore Ltd as follows: In May 2021 Miss G took out a loan for £7,000 repayable over 36 months at £269.46 per month. In October 2022 Miss G took out ... (3 pages)View decision
