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 71523 results
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Decision Reference DRN7257392
22 Feb 2019 Oakbrook Finance Limited Not upheldBanking and creditMrs H complains that Oakbrook Finance Limited (trading as Likely Loans) should not have approved her loan applications as the loans were unaffordable. Mrs H is represented in her complaint by Mr M.backgroundIn November 2017 Mrs H applied online to Likely Loans for a £2,0... (3 pages)View decision -
Decision Reference DRN4345114
3 Feb 2015 National Westminster Bank Plc UpheldBanking and creditMrs and Mr G complain National Westminster Bank Plc didn’t remove Mr G from their joint accounts, was obstructive when Mrs G tried to repay debts and was wrong to register defaults against her credit file. backgroundIn 2011 Mrs G asked Natwest to remove Mr G from two joint accounts.... (2 pages)View decision -
Decision Reference DRN-4041362
2 May 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4041362 The complaint Miss R and Mr S, together complain that Everyday Lending Limited, trading as Everyday Loans (“EL”), lent to them irresponsibly and the loan placed them in a worse financial situation than before. What happened Miss R says she applied for the loan initially on her ... (5 pages)View decision -
Decision Reference DRN-1267072
19 Nov 2020 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-1267072 The complaint Mr G complains that Cabot Credit Management Group Limited is chasing him for a credit card debt that doesn’t belong to him. What happened In early 2019 Mr G received several letters from Cabot to say it had been assigned Mr G’s credit card debt from a credit card ... (3 pages)View decision -
Decision Reference DRN1948206
29 Mar 2018 Bank of Scotland Plc Not upheldBanking and creditMr M complains that Bank of Scotland plc (trading as Halifax) was irresponsible in providing an overdraft to him and has unfairly recorded a default.backgroundMr M had an overdraft which was increased in 2011 and 2013. In 2013 he told Halifax about his financial ... (2 pages)View decision -
Decision Reference DRN8775664
31 Jul 2017 The On-Line Partnership Limited Not upheldBanking and creditMr and Mrs P complain about the mortgage advice they received in late 2008 and early 2009 from KRM Mortgage & Financial Consultants Ltd. KRM is an appointed representative of The On-Line Partnership Limited, trading as IN Partnership.Mr and Mrs P feel the advice... (2 pages)View decision -
Decision Reference DRN5507401
14 Jan 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr U, and his representative, complain about a personal guarantee he gave The Royal Bank of Scotland Plc and that its actions have resulted in the guarantee being relied upon.backgroundMr U, as a director, provided the bank with a personal guarantee to support borrowing the bank provid... (2 pages)View decision -
Decision Reference DRN1166931
11 Oct 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr and Mrs K are unhappy because the Royal Bank of Scotland Plc says they owe it additional amounts under a loan they took out in 2004. They say they have repaid the loan in full but RBS has not credited their loan with the full amount they repaid. background Mr and Mrs K took out a l... (2 pages)View decision -
Decision Reference DRN3407563
25 Jun 2013 MBNA Limited Not upheldBanking and creditMr A complains about how MBNA Limited has handled his credit card account and treated him whilst experiencing financial difficulties.backgroundIn summary, Mr A is unhappy that the bank has continued to take collections action against him and to apply interest and charges to his account ... (2 pages)View decision -
Decision Reference DRN-4783226
22 Oct 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4783226 The complaint Mr S has complained that The Royal Bank of Scotland Plc (‘RBS’) closed his credit card, after he informed it he was unable to repay the balance back in six months. What happened Mr S had a credit card account with RBS. It contacted him a number of times, to exp... (2 pages)View decision
