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 71745 results
-
Decision Reference DRN-5318002
7 Mar 2025 Charter Court Financial Services Limited Not upheldMortgagesDRN-5318002 The complaint Mrs M says it was unfair for Charter Court Financial Services Limited trading as Precise Mortgages to report a default to the credit reference agencies regarding her buy to let mortgage. She asks that it removes the default. What happened Mrs M had a buy to let... (2 pages)View decision -
Decision Reference DRN-4974386
11 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4974386 The complaint Ms K complains that NewDay Ltd lent to her irresponsibly when it approved her credit card and later increased the credit limit. What happened Ms K applied for a credit card with NewDay in May 2021.NewDay approved the application and gave Ms K a credit card with... (3 pages)View decision -
Decision Reference DRN-2971947
23 Mar 2022 Vanquis Bank Limited UpheldBanking and PaymentsDRN-2971947 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) registered a fraud prevention marker against him without due cause. What happened Mr B held a credit card account with Vanquis from December 2019 to March 2020. During this time, Mr B utilised the credit balance... (4 pages)View decision -
Decision Reference DRN9845678
7 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs D complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”). backgroundMrs D had an interest only, discounted rate mortgage. In 2005, on L & G’s recommendation, she and Mr D remortgaged. In... (2 pages)View decision -
Decision Reference DRN9979303
24 Mar 2015 National Westminster Home Loans Limited Not upheldBanking and creditMr and Mrs V complain that National Westminster Home Loans Limited gave confusing and inappropriate advice about how they should prioritise their payments on their mortgage and other unsecured loans.backgroundMr and Mrs V had a mortgage with NatWest which fell into ar... (2 pages)View decision -
Decision Reference DRN6266385
1 Jul 2014 HSBC Bank plc Not upheldBanking and creditMr C complains that HSBC Bank Plc is holding him responsible for a debt arising from some disputed transactions on his account. The bank has closed Mr C’s account and recorded adverse information on his credit record. Mr C says he is the victim of fraud and wants HSBC to provide him wit... (2 pages)View decision -
Decision Reference DRN2706629
18 May 2020 Bank of Scotland Plc Not upheldBanking and creditComplaintMrs M complains that Bank of Scotland Plc (trading as Halifax) failed to help her, in line with the rules on persistent debt. BackgroundMrs M has a credit card with Halifax and has maintained the minimum payment for an extended period without making additional payments to reduce t... (2 pages)View decision -
Decision Reference DRN3304843
24 Jan 2014 Barclays Bank Plc UpheldBanking and creditMrs D is unhappy about the way Barclays Bank Plc dealt with her when it was reviewing her business overdraft facility of £25,000. Rather than renew the facility, the bank wanted to convert it to a loan.backgroundIn October 2011, Barclays reviewed Mrs D’s business overdraft. It wanted to... (3 pages)View decision -
Decision Reference DRN-4480682
5 Dec 2023 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4480682 The complaint Mr S says Vanquis Bank Limited irresponsibly lent to him. What happened Mr S says Vanquis increased the limit on his credit card three times by large amounts which plunged him into debt. And he had not given his consent. Mr S opened his account in March 2017, he w... (3 pages)View decision -
Decision Reference DRN5298300
25 Jun 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMrs O has complained that The Royal Bank of Scotland Plc (RBS) is asking her to pay a shortfall of £60,000 following the sale of a property upon which RBS had a mortgage. She is also unhappy about the way RBS has dealt with her subject access request (SAR).Mrs O wants RBS to acknowledge th... (4 pages)View decision
