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 DRN0515009
22 Jul 2015 Firstplus Financial Group Plc UpheldBanking and creditMr and Mrs L complain that Firstplus Financial Group Plc (Firstplus) mis-sold them a loan that runs past Mr L’s retirement age. They say Firstplus didn’t explain the impact of this at the time and now they have a debt that they won’t be able to afford to repay – wh... (3 pages)View decision -
Decision Reference DRN-2340668
1 Dec 2020 National Westminster Bank Plc UpheldBanking and PaymentsDRN-2340668 The complaint Miss B complains that National Westminster Bank plc didn’t allow her to have a payment arrangement to clear a debt outstanding on a joint overdraft account and then entered a default against her with credit reference agencies. Mr B, the joint account holder, has c... (6 pages)View decision -
Decision Reference DRN4256717
28 Mar 2019 The Royal Bank of Scotland Plc UpheldBanking and creditMs J complains that in 2009 The Royal Bank of Scotland Plc (“RBS”) had given her a loan that they should have known that she couldn’t afford and that she received a poor level of service when she tried to raise her concerns with them in September 2017.background Ms... (3 pages)View decision -
Decision Reference DRN-4555601
12 Jan 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4555601 The complaint Mr M complains that Everyday Lending Limited trading as Everyday Loans irresponsibly gave him a loan that he couldn’t afford. For simplicity I will refer to the business as ‘Everyday’ during this decision. Mr M is represented in this complaint. For simplicity I wi... (3 pages)View decision -
Decision Reference DRN7406685
31 Mar 2014 Barclays Bank Plc Not upheldBanking and creditMr B complains that Barclays Bank PLC does not send him regular statements for his outstanding debt. He has also made a reduced settlement offer.backgroundMr B’s current account with Barclays was overdrawn and in early 2007 it closed the account and passed Mr B’s debt to its recoveries ... (1 page)View decision -
Decision Reference DRN0924691
22 Nov 2013 MEM Consumer Finance Limited Not upheldBanking and creditMr G complains that MEM Consumer Finance Limited passed his debt to a third party debt collection agency and recorded adverse information with the credit reference agencies.backgroundMr G failed to repay his loan by the due date and a payment plan was agreed. When repayments were not met... (1 page)View decision -
Decision Reference DRN9016618
25 Feb 2015 Motormile Finance UK Limited Not upheldBanking and creditMr W complains about the way Motormile Finance UK Limited has sought to recover money from him which it says is owing.backgroundMr W owed money to a third party and Motormile purchased the debt. Mr W is unhappy with the way Motormile has attempted to recover the debt from him. He conside... (2 pages)View decision -
Decision Reference DRN8066604
29 Jan 2015 Barclays Bank Plc Not upheldBanking and creditMrs T complains that Barclays Bank PLC failed to remove her name from a joint bank account after the other account holder asked it to do this.backgroundMr T, who is the other joint account holder, wrote to Barclays asking for Mrs T to be taken off the account and confirming that the ... (2 pages)View decision -
Decision Reference DRN1237874
13 Feb 2015 MKDP LLP Not upheldBanking and creditMr L complains that MKDP LLP is pursuing him for repayment of a debt which he disputes. He also complains that it won’t amend his credit file.backgroundMKDP bought the debt from the original creditor, but when it contacted Mr L he told it the accounts had been opened fraudulently and... (2 pages)View decision -
Decision Reference DRN3793093
10 Sep 2014 HSBC Bank plc Not upheldBanking and creditMiss A and Mr B complain that HSBC Bank Plc applied unfair and disproportionate charges on their two accounts forcing them into a debt management plan.backgroundMiss A and Mr B say that HSBC applied £1,266 in charges on their two accounts which did not reflect the true cost of collecting ... (2 pages)View decision
