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-3605511
25 Jul 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3605511 The complaint Mrs C complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to her irresponsibly and didn’t help her when she was in financial difficulty. What happened Mrs C applied online for a credit card in July 2016 – she asked for a balance transfer o... (5 pages)View decision -
Decision Reference DRN3845433
6 Apr 2017 HSBC Bank plc Not upheldBanking and creditMiss S complains that HSBC Bank Plc recorded adverse information on her credit reference file.backgroundIn 2012 Miss S was made redundant and she faced financial difficulties through no fault of her own. She contacted the bank and it assisted her with other account... (2 pages)View decision -
Decision Reference DRN6545847
13 Oct 2015 HSBC Bank plc Not upheldBanking and creditMr K, a director of M, a limited company, says HSBC Bank Plc (“HSBC”) has treated him unfairly with regard to a bank account.backgroundMr K has said “I have banked with HSBC, since August 2005 using 2 accounts (gives account details) with my wife and a business ac... (2 pages)View decision -
Decision Reference DRN6667437
14 Jun 2019 HSBC UK Bank Plc Not upheldBanking and creditS, a limited company, complains that HSBC UK Bank Plc unfairly closed its accounts and appointed debt collectors. S is represented by its director, who I’ll call Mr A. backgroundHSBC closed S’s accounts in early 2018. Mr A says HSBC closed the accounts because it... (2 pages)View decision -
Decision Reference DRN1110169
17 Jun 2014 Barclays Bank Plc UpheldBanking and creditMr G seeks a substantial increase in compensation offered to him by Barclays Bank PLC. Mr G experienced several years of being pursued by debt collection agencies for debts which were incurred by someone else. That person had the same first and last names, but also had a middle in... (2 pages)View decision -
Decision Reference DRN4044191
2 Dec 2019 Bank of Scotland Plc Not upheldBanking and creditMr S complains about the failure of Bank of Scotland plc trading as Halifax to provide information to him about the repossession of his property in 2010. Mr S wants Halifax to provide it.backgroundMr S bought a property in 2006 for £285,000. It was repossessed and sold in November 2010 for... (2 pages)View decision -
Decision Reference DRN-2599449
17 Mar 2021 Hoist Finance UK Limited Not upheldConsumer CreditDRN-2599449 The complaint Mr A complains that Hoist Finance UK Limited’s agents refuse to accept a settlement for a debt. What happened Hoist acquired a debt in Mr A’s name from a credit card provider. Mr A has raised concerns about the amount of money the original lender said he owed when... (2 pages)View decision -
Decision Reference DRN5179413
19 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr D complains that Lloyds TSB Bank Plc did not remove a default notice from his credit file, after it had told him that it would update his file once he cleared the debt. He also complains that, if the bank had not mis-sold him payment protection insurance (PPI) for his loan, he wou... (2 pages)View decision -
Decision Reference DRN-3157606
5 Jan 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3157606 The complaint Mr P has complained that HSBC Bank UK Plc passed payments they received by standing order from him in relation to a debt to a third party company without his agreement. I’ll refer to the third party company as C. What happened Mr P took out a loan with HSBC in 201... (2 pages)View decision -
Decision Reference DRN1098385
8 Aug 2014 Bank of Scotland Plc Not upheldBanking and creditMr S complains that Bank of Scotland Plc (trading as Halifax) unfairly stopped and closed his accounts without notice or proper explanation, causing him financial loss and significant inconvenience. background Mr S maintained accounts with Halifax. Halifax decided to close Mr S’s curren... (2 pages)View decision
