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
-
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 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 -
Decision Reference DRN7538083
9 Mar 2015 Lloyds Bank PLC Not upheldBanking and creditMr G feels that Lloyds Bank PLC (previously Lloyds TSB) is acting unfairly in refusing to accept the repayments he’s offering it towards a debt he owes under a guarantee. He’s also unhappy the bank has charged him interest, which he says it agreed to waive.backgroundMr G owes money to Ll... (2 pages)View decision -
Decision Reference DRN-3181393
4 Jan 2022 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-3181393 The complaint Mr S complains about Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited (Cabot)’s actions when contacting him about a debt. What happened In January 2020 Cabot bought an overdraft debt in Mr S’ name. In February 2020 the original len... (3 pages)View decision -
Decision Reference DRN6052007
28 Jan 2016 Home Retail Group Card Services Limited Not upheldBanking and creditMs M complains about the charges that have been applied to her account with Home Retail Group Card Services Limited (trading as Argos Card Services).background Ms M initially said that some payments she made to her account were missing. These were payments she made he... (2 pages)View decision -
Decision Reference DRN-3934598
27 Apr 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3934598 The complaint Mr T complains that Barclays Bank UK PLC trading as Barclaycard didn’t remove a record of a default on his credit file when it said it would. What happened Due to ill health Mr T was unable to meet the monthly payments due to his credit card. Mr T says Barclaycard... (3 pages)View decision -
Decision Reference DRN9883082
12 Feb 2021 HSBC UK Bank Plc Not upheldInvestment and pensionsComplaint A company, which I’ll refer to as S, complains that HSBC UK Bank Plc mis-sold it several interest rate hedging products (IRHPs) and hasn’t paid enough compensation. Background S brings its complaint alongside another which is brought by S’s owner, “Mr D”. Like S’s complaint, Mr D... (14 pages)View decision -
Decision Reference DRN1712895
25 Feb 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr E complains that The Royal Bank of Scotland plc (RBS) closed his student account because he was not paying into it. He says he did not know he had to, and would like the bank to re-open the account and reinstate the overdraft limit. He would also like the default removed from his cre... (2 pages)View decision -
Decision Reference DRN9319188
14 Jan 2014 Home Retail Group Card Services Limited Not upheldBanking and creditMr C complains that Home Retail Group Card Services Limited (trading as Argos Card Services) defaulted his account but, after he signed up for online servicing, he had no access to his account so could not pay. He did not receive regular statements and asks for the default to be remo... (2 pages)View decision -
Decision Reference DRN-3068631
16 Feb 2022 Bank of Scotland Plc Not upheldMortgagesDRN-3068631 The complaint Mr and Mrs C’s complaint about Bank of Scotland plc trading as Halifax (Halifax) relates to incorrect advice given to Mrs C by a Halifax mortgage advisor (MA) in January 2021, and when she made an application to re-mortgage her family home following a change in pe... (3 pages)View decision
