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 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 DRN3689772
10 Apr 2013 Santander UK Plc Not upheldBanking and creditMr and Mrs L complain that Santander UK plc wrongly recorded adverse credit information about them. They say this has caused significant financial loss and inconvenience, for which they seek compensation.background Santander provided Mr and Mrs L with current account facilities, includ... (4 pages)View decision -
Decision Reference DRN-4305505
25 Sep 2023 Freemans Plc UpheldConsumer CreditDRN-4305505 The complaint Mr W has complained Freemans plc is continuing to ask him to repay a debt that he says isn’t his. What happened Mr W got in touch with Freemans in late 2022 as they were asking him to repay a debt that wasn’t his. They reminded him that he’d been in touch back in ... (2 pages)View decision -
Decision Reference DRN8226588
6 Oct 2016 123 Debt Solutions Ltd UpheldBanking and creditMr H complains, in summary, that 123 Debt Solutions Limited (“DSL”) didn’t advise him appropriately on all the debt management solutions available to him, and he feels that a debt management plan (“DPM”) wasn’t the best option for him. The complaint is brought to thi... (3 pages)View decision -
Decision Reference DRN8776033
28 Oct 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs A run a business partnership and complain that The Royal Bank of Scotland Plc did not fairly consider their proposals to repay partnership borrowing.backgroundThe partnership took a business loan which was secured in part on a commercial property. This property was let to a... (2 pages)View decision -
Decision Reference DRN9096702
3 Sep 2013 Habibsons Bank Limited Not upheldBanking and creditMr and Mrs G, and their representative, are unhappy about the interest rate applied by Habibsons Bank Limited on the outstanding debt they owe under personal guarantees and complain they have been treated unfairly when discussing repayment. backgroundMr and Mrs G provided personal guara... (2 pages)View decision -
Decision Reference DRN8087706
8 Dec 2015 Canada Square Operations Limited UpheldBanking and creditMr R complains about the customer service he has received from Canada Square Operations Limited in relation to a debt.backgroundMr R used to have a credit card and a loan with a bank. He says he was told he needed to pay £6,000 to settle both accounts in 2007. So he... (2 pages)View decision -
Decision Reference DRN3114307
7 Aug 2015 National Westminster Bank Plc Not upheldBanking and creditMr and Mr C complain about the way National Westminster Bank plc dealt with the repayment of the overdraft on their joint business account. They want a refund of bank charges and compensation for distress and inconvenience.backgroundMr and Mr C were a father and son in ... (1 page)View decision -
Decision Reference DRN7764146
22 Jun 2017 HSBC Bank plc Not upheldBanking and creditMr D complains that HSBC Bank Plc added fees to a credit card account he said he had closed. He doesn’t feel he should have to pay as he wasn’t made aware of these as he didn’t receive any statements. And he says the debt has ruined his credit file.backgroundMr D ... (2 pages)View decision -
Decision Reference DRN-4659337
11 Apr 2024 Bamboo Limited UpheldConsumer CreditDRN-4659337 The complaint Ms C complains that Bamboo Limited lent to her when she was not able to afford it. Ms C also complains that she cannot afford to repay the capital of the loan and wants it written off. In addition, Ms C complains about an assignment document and that the solicitor... (4 pages)View decision