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 71000 results
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Decision Reference DRN8165747
26 Aug 2015 Barclays Bank Plc UpheldBanking and creditMr D says Barclays Bank Plc should write-off a debt he owes. He says the bank was irresponsible in letting him borrow the money in the first place.backgroundThe details of this complaint are well-known to Mr D and to Barclays. So, I only summarise the position.Mr D ... (2 pages)View decision -
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-2115619
28 Oct 2020 BW Legal Services Limited Not upheldConsumer CreditDRN-2115619 The complaint Mr P is unhappy that BW Legal Services Limited pursued him for debts that weren’t his. He says he was the victim of identity theft and it’s unfair for BW Legal to hold him responsible for loans he didn’t take out. Mr P also complains about BW Legal’s verification ... (3 pages)View decision -
Decision Reference DRN9875824
21 Dec 2015 Sterling Financial Security Ltd UpheldBanking and creditMr and Mrs R complain about the way that Sterling Financial Security Ltd trading as Best Solution managed their debts. backgroundIn around November 2007, Mr and Mrs R entered into a debt management plan (DMP) with Best Solution. They agreed to pay an initial set up fe... (2 pages)View decision -
Decision Reference DRN-3470939
27 May 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3470939 The complaint Mr D, through his representative, says Everyday Lending Limited (ELL), trading as Everyday Loans, lent to him irresponsibly. What happened Mr D took out a 24-month instalment loan from ELL on 4 July 2017. It was for £2,000. The monthly repayment was £205.12 and th... (5 pages)View decision -
Decision Reference DRN-4414608
13 Nov 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4414608 The complaint Mr P complains that Tesco Personal Finance PLC trading as Tesco Bank (‘Tesco Bank’) irresponsibly gave a loan that he couldn’t afford. What happened In July 2016 Mr P asked for and was given a loan for £6,000 which had a term of five years. The purpose of the loan... (3 pages)View decision -
Decision Reference DRN8345037
9 May 2013 National Westminster Bank Plc Not upheldBanking and creditMr K complains of delay by National Westminster Bank Plc (“Natwest”) in processing an application for a personal loan to consolidate the company overdraft facility he had guaranteed. He claims that the delay caused the original debt to increase by the addition of interest and charges.... (3 pages)View decision -
Decision Reference DRN-2335511
17 Feb 2021 Santander UK Plc Not upheldBanking and PaymentsDRN-2335511 The complaint Mr S complains that Santander UK Plc unfairly registered a default on his credit file without telling him and has refused to agree a payment plan. What happened Mr S says Santander kept threatening him with defaulting his account despite him paying £20 a month to ... (2 pages)View decision -
Decision Reference DRN-4517707
26 Mar 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4517707 The complaint Mr M is complaining about HSBC UK Bank Plc following a series of events that led to his debt being sold to a debt collection company. He believes this happened because HSBC didn’t update his address when he moved and he’s concerned the amount has increased signifi... (3 pages)View decision -
Decision Reference DRN-5442636
15 Apr 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5442636 The complaint Mr G complains that Clydesdale Bank Plc trading as Virgin Money irresponsibly lent to him. What happened Mr G was approved for a Virgin Money credit card in August 2022 with a £5,000 credit limit. I will refer to this card as A in this decision. Mr G was approv... (3 pages)View decision
