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 DRN5865727
18 Feb 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr A has complained that Link Financial Outsourcing Limited is chasing him for repayment of a debt of over £300,000. Mr A says that Link has already acknowledged that he agreed with the original creditor in 2015 that he would repay £36,000.backgroundMr A had a mortgage... (2 pages)View decision -
Decision Reference DRN8883795
28 Nov 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Miss A’s complaint is about how National Westminster Bank Plc (Nat West) used the compensation it offered for her complaint about two mis-sold payment protection insurance (PPI) policies. Miss A wants Nat West to pay all the compensation directly to her.backgroundMiss A complained to Nat ... (4 pages)View decision -
Decision Reference DRN4028672
29 Jan 2020 Lloyds Bank PLC Not upheldBanking and creditMr B complains about the way Lloyds Bank PLC dealt with his loan. To settle matters he’d like his debt written off and any adverse entries on his credit file to be removed.backgroundMr B told us that he took out a personal loan with Lloyds at a high rate of interest in March 2017. He think... (4 pages)View decision -
Decision Reference DRN9343728
16 Apr 2015 Bank of Scotland Plc Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mr and Mrs P either to accept or reject my decision before 18 May 2015. Ruth Lewis ombudsman at the Financial Ombudsman ServicecomplaintMr and Mrs P are unhappy Bank of Scotland plc (trading as Halifax) all... (2 pages)View decision -
Decision Reference DRN6121835
4 Feb 2020 Lloyds Bank PLC Not upheldBanking and creditMr A complains that Lloyds Bank PLC closed his bank account prematurely and passed it to its recoveries team because he couldn’t repay his overdraft within 12 months.backgroundMr A says he lost his job in March 2018 and although he’d held his account with the bank for more than 15 years, i... (2 pages)View decision -
Decision Reference DRN7777965
20 Jun 2014 American Express Services Europe Limited Not upheldBanking and creditMr G complains that American Express Services Europe Limited has appointed an overseas debt collection agency, resulting in higher postage costs. Mr G asks that American Express appoint a UK based debt collection agency.backgroundMr G is repaying his credit card account under repayment pl... (1 page)View decision -
Decision Reference DRN4863530
18 Sep 2017 HSBC Bank plc Not upheldBanking and creditMr N, a sole trader, complains that HSBC Bank Plc wouldn’t accept a promissory note in settlement of his business debts with it.backgroundMr N’s business has debts, including an overdraft, with HSBC. He requested a redemption figure and sent HSBC a promissory note f... (1 page)View decision -
Decision Reference DRN7578869
2 Jan 2014 National Westminster Bank Plc Not upheldBanking and creditMr B and Mr C complain that National Westminster Bank Plc promised to give their company a loan. On this basis, they spent their company’s cash reserves to start a project. They then found that the bank would not lend the company the money, which led to the company being dissolved. Mr B... (2 pages)View decision -
Decision Reference DRN9768917
7 Nov 2014 HSBC Bank plc Not upheldBanking and creditMr C complains that HSBC Bank Plc has wrongly recorded a default about his current account with credit reference agencies. He says he never received a final demand or notice of default. Mr C wants HSBC to remove the default from his credit file.backgroundDates are central to this compla... (2 pages)View decision -
Decision Reference DRN-3557369
29 Jun 2022 Freemans Plc UpheldConsumer CreditDRN-3557369 The complaint Mr C says Freemans Plc irresponsibly lent to him. What happened Mr C took out three catalogue shopping account from Freemans in April 2017, July 2017 and February 2018. He received a number of credit limit increases on all three accounts. When the accounts fell in... (3 pages)View decision
