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 71155 results
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Decision Reference DRN-4735668
5 Sep 2024 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-4735668 The complaint Mr M complains that when his debit card was swallowed by an ATM, HSBC UK Bank Plc didn’t tell him his direct debit had been cancelled. He said this should have been explained and restored and his debt should not have been referred to a collection agency. What ... (4 pages)View decision -
Decision Reference DRN0239593
19 Nov 2018 BW Legal Services Limited Not upheldBanking and creditMr R complains that BW Legal Services Limited is unfairly chasing him for a loan that he repaid in full a number of years ago. He also complains about the default that was placed on his account. backgroundIn 2018 Mr R complained to BW Legal Services about a debt it... (2 pages)View decision -
Decision Reference DRN4942894
6 May 2016 Elevate Credit International Limited UpheldBanking and creditMr J complains that Elevate Credit International Limited (trading as Sunny) gave him a loan he couldn’t afford.backgroundMr J says he took out a loan with Elevate in August 2015. He accepts he wasn’t truthful about his income and expenditure. He says that’s because he ... (2 pages)View decision -
Decision Reference DRN3124041
26 Apr 2017 Nationwide Building Society Not upheldBanking and creditMs H complains that Nationwide Building Society (Nationwide) declined her application to consolidate her debt with a new personal loan. backgroundMs H applied to take out new borrowing to consolidate an existing personal loan and credit card debt – both held with Nationwi... (2 pages)View decision -
Decision Reference DRN6940313
10 Jun 2014 Lloyds Bank PLC Not upheldBanking and creditMr R’s complaint has been brought by his wife Mrs R. Mrs R complains Lloyds Bank PLC irresponsibly provided Mr R with three loans.background The three loans were taken out between 2003 and 2012. The 2003 loan was paid in full in 2008 without any concerns. The second loan in 2010 was taken... (2 pages)View decision -
Decision Reference DRN-5369405
31 Mar 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5369405 The complaint Miss B complains about the way in which Lloyds Bank PLC (Lloyds) have dealt with debt on her credit card account. What happened Lloyds had appointed a collection agency (who I’ll call ‘M’) to collect the debt Miss B owed them. In August 2022 they decided to rev... (2 pages)View decision -
Decision Reference DRN3807242
28 Nov 2016 Gregory Pennington Limited Not upheldBanking and creditMr and Mrs R, represented by a claims management company (CMC), complain that Gregory Pennington Limited (the business) did not provide them with the information they needed when they entered into a debt management plan (DMP).backgroundMr and Mrs R, represented by the CM... (2 pages)View decision -
Decision Reference DRN5851137
25 Sep 2015 UBS AG Not upheldBanking and creditMiss A complains that UBS AG did a deal with her ex-husband to settle its claim against him for a mortgage shortfall, but didn’t consider her position. She also complains UBS didn’t put in writing its offer to limit its claim against her. Miss A wants the debt writ... (2 pages)View decision -
Decision Reference DRN6054419
15 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs T complains that a debt management plan was mis-sold to her by Harrington Brooks (Accountants) Limited. She also complains about the way that Harrington Brooks had dealt with her plan. She is being helped with her complaint by a representative.backgroundMrs T entere... (2 pages)View decision -
Decision Reference DRN4996702
4 May 2016 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs R complain that Bank of Scotland plc (trading as Halifax) mis-sold them a mortgage resulting in Mr and Mrs R being financially disadvantaged. In particular, they feel Halifax:- acted in breach of The Mortgage Code that applied at the time, and - fail... (2 pages)View decision
