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 71335 results
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Decision Reference DRN3604103
1 Nov 2017 Santander UK Plc Not upheldBanking and creditMr T complained about charges on his account with Santander UK Plc. He wants all charges refunded for the last six years, together with compensation for the effect the charges had had on him.backgroundMr T complained about charges which Santander had made to his c... (3 pages)View decision -
Decision Reference DRN-2892344
14 Jul 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-2892344 The complaint Mr P complains that Bank of Scotland plc (BOS) unfairly placed default markers on is credit file. What happened Mr P had a credit card with BOS. In July 2016, a notice of default was sent to Mr P. In October 2016, BOS registered the default and the debt of £1278 w... (3 pages)View decision -
Decision Reference DRN0884630
22 Nov 2013 Santander Cards UK Limited UpheldBanking and creditMr A complains that Santander Cards UK Limited gave him inaccurate information that has led to his account being passed to a debt collection agency.backgroundMr A was advised that his account was paid in full when in fact the bank had failed to consider a returned direct debit. As his dir... (1 page)View decision -
Decision Reference DRN-4766077
13 Jun 2024 PayPal (Europe) S.à r.l et Cie, S.C.A. UpheldBanking and PaymentsDRN-4766077 The complaint Mr M has complained PayPal (Europe) Sarl et Cie, SCA pursued him for a debt arising from a transaction he’d not made. What happened Mr M was being pursued by PayPal for a debt. This was for a purchase of £2,099.99 made using PayPal credit on 23 September 2022. Mr ... (2 pages)View decision -
Decision Reference DRN8985845
13 Feb 2018 Principality Building Society Not upheldBanking and creditMr Y complains that Principality Building Society turned down his mortgage application, even though he had done what it asked and paid off his outstanding debts. He would like Principality Building Society to reimburse him for the financial losses caused as a result of p... (3 pages)View decision -
Decision Reference DRN1195263
13 Jun 2018 MBNA Limited Not upheldBanking and creditMr C complains that MBNA Limited defaulted his credit card account later than it should’ve done.backgroundMr C told us that he got into financial difficulties in the summer of 2011, due to a period of ill health. He said that he entered into a debt management plan ... (2 pages)View decision -
Decision Reference DRN0326144
24 Apr 2020 Banque PSA Finance Not upheldBanking and creditMr F disputes the end of lease charges that PSA Finance UK Limited (“PSA”) applied when he returned a car he had been financing through them. He says their pursuit of the debt has damaged his credit rating and has been unreasonable.backgroundMr F took receipt of a new car in July 2009. He ... (2 pages)View decision -
Decision Reference DRN7946026
18 Jul 2013 MBNA Limited UpheldPayment protection insurance (PPI)This complaint against MBNA Limited (‘MBNA’) concerns the sale of a regular premium, monthly paid payment protection insurance (PPI) policy attached to a credit card and taken out in December 2004. Mr R says that the policy was mis-sold.my findingsI would like to confirm that in reachin... (3 pages)View decision -
Decision Reference DRN4113988
18 Nov 2014 Bank of Scotland Plc Not upheldBanking and creditMr F complained because Bank of Scotland plc, trading as Halifax, registered a default and sold one of his two credit cards to a debt recovery agency. backgroundMr F had two credit cards with Halifax. He experienced financial difficulties, and payment arrangements were made from spring... (2 pages)View decision -
Decision Reference DRN3110829
3 Apr 2019 Santander UK Plc Not upheldPayment protection insurance (PPI)Mr H’s complaint is about the amount of compensation Santander UK Plc (Santander) offered to settle his complaint about a mis-sold PPI policy taken out alongside his credit card. He is also unhappy with the process followed in dealing with his complaint and how the pa... (3 pages)View decision
