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-4184273
20 Jul 2023 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4184273 The complaint Mr D complains that The Royal Bank of Scotland Plc (RBS) unfairly added a late payment marker to his credit file. What happened RBS decided to close Mr D’s current account in November 2022. It sent a letter to his last recorded address to say he had an outstanding... (3 pages)View decision -
Decision Reference DRN6849344
31 Aug 2016 Baines & Ernst Limited Not upheldBanking and creditMiss L and her representative are unhappy about the advice she was given by Baines & Ernst Limited to enter into a debt management plan. They say it was mis-sold to her and wasn’t the appropriate solution for her situation. There were also other free alterna... (2 pages)View decision -
Decision Reference DRN7745479
15 Jan 2016 National Westminster Bank Plc Not upheldBanking and creditMr G complains about the way National Westminster Bank Plc managed his accounts - in particular about delays in recording on his credit file that an outstanding debt had been settled and in paying an agreed compensation amount.background Mr G had some difficulty in main... (2 pages)View decision -
Decision Reference DRN1597949
5 Aug 2015 Microcredit Limited UpheldBanking and creditMs D has complained that Microcredit Limited mishandled her loan, and unfairly applied fees and charges. She has also complained about it customer service.backgroundMs D took out a loan with Microcredit. However, she realised it was collecting payments early, which caused ... (2 pages)View decision -
Decision Reference DRN-2309081
29 Mar 2021 The Royal Bank of Scotland Plc Not upheldMortgagesDRN-2309081 The complaint Mr and Mrs A say they were put under pressure to reduce the debt on their The One Account mortgage with The Royal Bank of Scotland Plc in 2013. They say this caused them financial difficulties until they were able to remortgage elsewhere in 2018. What happened The... (3 pages)View decision -
Decision Reference DRN-3234743
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3234743 The complaint Mr D complains that NewDay Ltd was irresponsible when it opened a credit card account for him in June 2015, and then increased the credit limit from £600 to £1,500 in September 2015. Mr D said his financial situation was already extremely poor before this. What h... (3 pages)View decision -
Decision Reference DRN-4426192
23 Jan 2024 Progressive Money Limited UpheldConsumer CreditDRN-4426192 The complaint Mrs N says Progressive Money Limited (PML) irresponsibly lent to her. What happened Mrs N took out a loan for £10,000 over 60 months from PML on 12 July 2017. The monthly repayments were £368.51 and the total repayable was £22,110.40. Mrs N settled the loan early ... (3 pages)View decision -
Decision Reference DRN-2373026
17 Dec 2020 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-2373026 The complaint Mrs G has complained that Lloyds Bank plc (Lloyds) irresponsibly increased the limit on her credit card and mis-managed her payment plan. What happened Mrs G had a credit card with Lloyds and started to have some financial difficulties in 2014. Lloyds agreed a nu... (3 pages)View decision -
Decision Reference DRN-4308658
30 Mar 2024 Oxford Capital Partners LLP Not upheldInvestmentsDRN-4308658 The complaint In July 2014 Mrs G and Mr G (‘the complainants’) were advised by St. James’s Place Wealth Management Plc (‘SJP’) to invest in an Enterprise Investment Scheme (‘EIS’) operated by Oxford Capital Partners LLP (‘OCP’). They followed the advice and made the investments... (11 pages)View decision -
Decision Reference DRN6527982
15 Jan 2021 Lowell Financial Ltd Not upheldBanking and creditMrs C complains that Lowell Financial Ltd contacted her over an extended period of time about debts that didn’t belong to her. She also complains about the impact this has had on her credit file. background I’ll set out the chronology of what’s happened as far as I understand it. Lowell se... (3 pages)View decision
