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
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Decision Reference DRN-4139782
24 May 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4139782 The complaint Mr A complains HSBC UK Bank Plc forced him to take out a loan to repay his overdraft. What happened Mr A had an HSBC business account with an overdraft. In April 2007, he says HSBC threatened to take him to Court unless he took out a loan to consolidate his overdr... (2 pages)View decision -
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-5610570
19 Jun 2025 Santander UK Plc UpheldMortgagesDRN-5610570 The complaint Mr and Mrs S complain that Santander UK PLC failed to comply with the terms of the Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020 for the following reasons: 1. Santander didn’t apply to... (7 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 DRN-5124468
21 Nov 2024 Santander UK Plc UpheldConsumer CreditDRN-5124468 The complaint Mr M complains that Santander UK Plc lent to him irresponsibly when they provided him with a loan for £10,000 in 2022. He’s also unhappy with further issues that have arisen since the investigator issued their initial opinion. What happened Mr M took out a loa... (3 pages)View decision -
Decision Reference DRN3700902
1 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMr S is unhappy Casheuronet UK LLC (trading as “Pounds to Pocket”) intends to use the compensation it has offered him, following an unaffordable lending complaint, to reduce the amount he owes on his outstanding loan balance.backgroundI attach my provisional decision o... (9 pages)View decision -
Decision Reference DRN1217015
4 Dec 2013 Microcredit Limited Not upheldBanking and creditMr Y complains that Microcredit Limited (trading as MiniCredit.co.uk) should enter into a dialogue about his short term loan. He says he is in financial difficulty and the debt has escalated. background Mr Y borrowed about £120 and agreed to repay about £152.40 four weeks later. The qu... (2 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 -
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
