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 70502 results
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Decision Reference DRN6723227
23 Jun 2014 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr J brought his complaint to this service as he was unhappy that National Westminster Bank Plc (“NatWest”) used part of the redress from two mis-sold PPI policies to offset an outstanding debt related to a current account he had with the bank. Mr J wants all the redress paid directly to ... (4 pages)View decision -
Decision Reference DRN0366848
13 Mar 2017 Barclays Bank Plc UpheldBanking and creditMr H says Barclays Bank PLC, trading as Barclaycard, hasn’t dealt with his outstanding debts sympathetically or positively.backgroundMr H took out two credit cards with Egg Bank: the first was taken out in 2003, the second in 2004. In 2010 Mr H got into financial diffi... (3 pages)View decision -
Decision Reference DRN2409081
1 Aug 2019 BW Legal Services Limited Not upheldBanking and creditMr C is unhappy that bailiffs still visited his home after he’d contacted BW Legal Services Limited (“BW”) to arrange a settlement and prevent bailiff action.backgroundMr C had some debts, and in October 2014 BW was instructed to recover one of these debts. It seems BW tried to contact Mr ... (2 pages)View decision -
Decision Reference DRN6241646
2 Jan 2014 1st Credit (Finance) Limited Not upheldBanking and creditMr B complains that 1st Credit (Finance) Limited has asked him for repayment for a debt that he has not acknowledged and which he has heard nothing from the creditor for the past six years. He says 1st Credit has not shown that the debt is not statute barred under The Limitations Act 19... (2 pages)View decision -
Decision Reference DRN1285042
14 Jan 2016 Bank of Scotland Plc UpheldBanking and creditMr M complains about Bank of Scotland Plc. There are a number of aspects to his complaint but in essence, Mr M complains that: Bank of Scotland acted irresponsibly when it granted him a personal loan in 2008; Bank of Scotland did not help him when he told the bank ... (3 pages)View decision -
Decision Reference DRN-4306746
17 Aug 2023 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-4306746 The complaint Miss T complains that Marks & Spencer Financial Services Plc (M&S) lent to her irresponsibly and didn’t support her in financial difficulty. What happened Miss T had a credit card from M&S since 2013. The limit was originally £1,500. Limit increases we... (5 pages)View decision -
Decision Reference DRN3345586
30 Oct 2019 HSBC UK Bank Plc Not upheldBanking and creditThis complaint’s about a further advance mortgage application Mr and Mrs L made to HSBC UK Bank Plc. They’re unhappy that HSBC wouldn’t lend them the money they wanted for debt consolidation.backgroundMr and Mrs L had a mortgage with HSBC and wanted to borrow more money. Mr and Mrs L said ... (2 pages)View decision -
Decision Reference DRN5732823
27 Jan 2015 MKDP LLP Not upheldBanking and creditMs F complains that MKDP LLP is chasing her for a debt she disputes. She wants the debt written off, legal proceedings discontinued and no adverse information put on her credit file. She also wants compensation.backgroundMs F bought tickets for a holiday in 2009 with her bank visa debit ... (2 pages)View decision -
Decision Reference DRN5679799
15 Oct 2019 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs G complain that Bank of Scotland Plc trading as Halifax (“Halifax”) acted unfairly by not contacting Mrs G sooner about a mortgage shortfall debt. Mrs G wants compensation for not being contacted earlier about the debt.backgroundMr and Mrs G had a mortgage with Halifax, but Mrs ... (2 pages)View decision -
Decision Reference DRN5457657
26 May 2015 Barclays Bank Plc UpheldBanking and creditMr T wants Barclays Bank Plc (trading as Barclaycard) to write off interest and charges which were applied to his credit card debts. He also complains that the bank has not responded properly to his complaints.backgroundMr T had three credit card accounts which were o... (2 pages)View decision
