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 71923 results
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Decision Reference DRN6162873
23 May 2013 Bank of Scotland Plc UpheldBanking and creditMiss R complains that Bank of Scotland Plc (trading as Halifax) proceeded with debt recovery action after telling her – in response to her financial difficulty – that she did not need to make any payments.backgroundWhen Halifax cancelled Miss R’s overdraft facility, it agreed a repayment... (2 pages)View decision -
Decision Reference DRN0110802
11 Jan 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr C is complaining that The Royal Bank of Scotland Plc (RBS) sold him a business loan for his business that he couldn’t afford. He’s unhappy that it’s pursuing him for the balance.backgroundMr C took out a business loan in 2013 for his business which was used to pay of... (3 pages)View decision -
Decision Reference DRN-1742696
12 Jun 2020 Nationwide Building Society Not upheldBanking and PaymentsDRN-1742696The complaintMiss C complains that Nationwide Building Society lent irresponsibly when it approved her credit card and went on to increase the credit limit. Miss C also complains about Nationwide’s actions when she experienced financial difficulties. What happenedIn July 2013 Mi... (2 pages)View decision -
Decision Reference DRN1055029
17 Mar 2015 HSBC Bank plc Not upheldBanking and creditMr T complains that HSBC Bank Plc is wrongly pursuing him for payment under a personal guarantee. Mr T is represented by a solicitor, which I will call “K”.backgroundMr T was a director of a company. In 2012 the company applied for a £60,000 loan, which was to be sec... (2 pages)View decision -
Decision Reference DRN3850411
18 Jun 2015 TSB Bank plc Not upheldBanking and creditMr S complains that TSB Bank plc have wrongly defaulted his credit card account.backgroundMr S has a TSB credit card account. He lost his job in February 2014. Mr S told TSB this in April 2014. It agreed that he could temporarily reduce his payments to £20. TS... (2 pages)View decision -
Decision Reference DRN-4811482
26 Jun 2024 Vodafone Limited UpheldConsumer CreditDRN-4811482 The complaint Mr S has complained that Vodafone Limited acted irresponsibly when it provided him with multiple credit agreements between 2021 and 2023. Background Between late 2021 and 2023 Mr S applied for 25 different device plans from Vodafone. In each instance he was approv... (4 pages)View decision -
Decision Reference DRN5996250
30 Oct 2017 Shop Direct Finance Company Limited Not upheldBanking and creditMrs B complains that Shop Direct Finance Company Limited handled her accounts poorly when she was facing financial difficulties. background Mrs B has three accounts with Shop Direct and in recent times has encountered financial difficulties. She has been in contact wi... (2 pages)View decision -
Decision Reference DRN4065221
1 Aug 2017 Lloyds Bank PLC Not upheldBanking and creditMr I’s unhappy Lloyds Bank PLC didn’t reduce the amount he owed to £950.00 in April 2015. He says Lloyds agreed to this and although he tried to raise this afterwards, Lloyds didn’t properly deal with his concerns. He’s also had a number of problems with Lloyds ... (2 pages)View decision -
Decision Reference DRN3880138
27 Jul 2016 Ask Finance Limited Not upheldBanking and creditMr P complains that he was sold a financial management plan (FMP) by a third party which Ask Finance Limited, trading as Harrington Brooks, took over the running of. He is assisted in his complaint by a company. backgroundMr P entered into a FMP with a third party in... (3 pages)View decision -
Decision Reference DRN-3624172
1 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3624172 The complaint Mr P complains that NewDay Ltd has irresponsibly lent to him. Mr P is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr P himself. What happe... (5 pages)View decision
