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 70999 results
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Decision Reference DRN1144815
15 Mar 2018 Kapama Limited UpheldBanking and creditMr C is unhappy with the way Kapama Limited has dealt with a debt it purchased from another business.backgroundMr C took out a loan in 2011 with a business I’ll call M. He wasn’t able to maintain his payments and fell behind on the loan. The outstanding debt of £1... (3 pages)View decision -
Decision Reference DRN7551860
30 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr C complains that Bank of Scotland plc (trading as Halifax) did not remove his name from the joint account he held with his ex-wife, despite several requests. The account is overdrawn and Mr C is being pursued for the outstanding balance. Mr C disputes that he is responsible for the ac... (1 page)View decision -
Decision Reference DRN0758028
11 Mar 2020 Cabot Credit Management Group Limited Not upheldBanking and creditMr H complains that Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited is asking him to pay a credit card debt for an account that was fraudulently opened in his name.backgroundMr H says that his late wife opened a credit card account in his name without his ... (2 pages)View decision -
Decision Reference DRN-2195210
25 Feb 2021 TFS Loans Limited UpheldConsumer CreditDRN-2195210 The complaint Mr W says TFS Loans Limited lent to him irresponsibly. What happened Mr W took out a guarantor loan from TFS in March 2015. It was for £7,500 over 48 months. The monthly repayment was £304.63 and the total repayable was £14,622.24. He says TFS lent irresponsibly ... (4 pages)View decision -
Decision Reference DRN4752064
4 Mar 2020 The Royal Bank of Scotland Plc Not upheldBanking and creditThe Royal Bank of Scotland Plc (‘RBS’) has offered to refund some of the interest and fees it charged to Miss W’s loan because it didn’t meet its requirement under the Consumer Credit Act 1974 (‘CCA’). However, it has used the refund to reduce a debt from which Miss W was discharged when h... (4 pages)View decision -
Decision Reference DRN-3669616
23 Jan 2023 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3669616 The complaint Mrs R complains Bank of Scotland plc trading as Halifax (Halifax) are holding her solely responsible for the repayment of an overdraft on a joint account. She also complains they failed to support her during times of financial difficult... (4 pages)View decision -
Decision Reference DRN-3253491
26 Jan 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3253491 The complaint Miss K complains about National Westminster Bank Plc (“NWB”) and their decision to close her account after they determined it to be in persistent debt. What happened Miss K held a credit card account with NWB. In August 2019, Miss K received a letter from NWB expl... (4 pages)View decision -
Decision Reference DRN-4199362
30 Aug 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4199362 The complaint Mr and Mr F complain that Barclays failed to remove markers for expired debts contained in their IVAs and as a result they lost out on a mortgage for the proposed purchase of a new home. They also said they had to pay a higher interest rate on a remortgage because... (2 pages)View decision -
Decision Reference DRN-3591701
8 Sep 2022 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-3591701 The complaint Mr W has complained about Cabot Credit Management Group Limited purchasing a debt that was included in a bankruptcy order, and reporting it on his credit file. What happened This complaint surrounds a consumer credit debt that was defaulted on 3 April 2018, the sa... (2 pages)View decision -
Decision Reference DRN9198798
6 Aug 2014 Santander UK Plc Not upheldBanking and creditMr H, who was represented by advisors, complained that Santander UK Plc pressured him into applying for a credit card, which caused him to fall into debt. He would like all debts written off and compensation for his trouble and upset.background Mr H applied for a credit card with Sant... (2 pages)View decision
