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 DRN-3812197
17 Nov 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3812197 The complaint The complaint Mr P complains through his representative that OAKBROOK FINANCE LIMITED trading as Likely Loans irresponsibly lent him money on high cost loans that he couldn’t afford to repay. What happened Likely Loans provided Mr P with the following loans: Date ... (4 pages)View decision -
Decision Reference DRN9843649
11 Sep 2013 Barclays Bank Plc UpheldBanking and creditMs T complains that Barclays Bank PLC applied a default to her credit file when she understood it would not do so. She also complains that the bank sent her account to an external debt collection agency when she had agreed a repayment arrangement with it, and about poor customer service... (4 pages)View decision -
Decision Reference DRN-1730864
25 Nov 2020 National Westminster Bank Plc Not upheldConsumer CreditDRN-1730864 The complaint Mr B has complained that National Westminster Bank Plc (“NatWest”) sold his debt without telling him and incorrectly reported additional defaults on his accounts to the credit reference agencies. Background Mr B told our service he called NatWest in January 2017 t... (3 pages)View decision -
Decision Reference DRN-4639571
20 Aug 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4639571 The complaint Mr D has complained about the circumstances surrounding Bank of Scotland plc, trading as Halifax, suspending his credit card account. What happened Mr D has a credit card account with Halifax, which it suspended due to persistent debt. Mr D has explained that h... (3 pages)View decision -
Decision Reference DRN1123328
31 Mar 2014 Bank of Scotland Plc Not upheldBanking and creditMr C and Ms D complain that Bank of Scotland plc opened a partnership account for them in 2003 when they wanted an account for a limited company.backgroundMr C and Ms D signed a partnership account opening form in 2003. They then set up a limited company but their bank account was not ... (1 page)View decision -
Decision Reference DRN1226761
24 Feb 2015 National Westminster Bank Plc Not upheldBanking and creditMr H complains that National Westminster Bank Plc ignored his letters seeking to arrange a repayment plan and defaulted his account and passed the debt to a third party. background Mr H has a loan with NatWest and in 2009 he encountered financial difficulties. He wrote to the bank to ... (2 pages)View decision -
Decision Reference DRN4779113
12 Apr 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr C complains that the bank passed his account to several different collection agents without telling him. He says this has led to confusion over the amount he owes and has caused him much stress. He also complains that the bank should never have agreed an overdraft facility. He wants the... (2 pages)View decision -
Decision Reference DRN3778146
27 Sep 2013 HSBC Bank plc Not upheldBanking and creditMs M complains that HSBC Bank Plc is holding her liable for a debt on a joint current account following her ex-husband’s bankruptcy.backgroundMs M held a joint bank account with her ex-husband. When they separated, Ms M says that her ex-husband told her that she had been removed from t... (2 pages)View decision -
Decision Reference DRN8318089
15 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs R complain that Legal & General Partnership Services Limited mis-sold them a mortgage. The complaint is brought on their behalf by a claims management company.backgroundMr and Mrs R sought mortgage advice when the fixed rate on their existing interes... (2 pages)View decision -
Decision Reference DRN-2555456
30 Mar 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2555456 The complaint Mr L complains that Barclays Bank UK PLC trading as Barclaycard (Barclaycard) mismanaged his credit card account. What happened Mr L had a Barclaycard since 2006. The limit was increased by Barclaycard from £15,000 to £19,000 in January 2017. Mr L was in financial... (3 pages)View decision
