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 74386 results
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Decision Reference DRN-2942927
10 Aug 2021 Bank of Scotland Plc Not upheldMortgagesDRN-2942927 The complaint Mr and Mrs B complain that Bank of Scotland plc gave them unsuitable advice about consolidating unsecured debts. They say they’ve paid additional interest as a result. Mr and Mrs B are represented by a claims management company. They say they want to be put into t... (3 pages)View decision -
Decision Reference DRN2750762
21 Aug 2017 Welcome Financial Services Limited Not upheldBanking and creditMr P complains Welcome Financial Services Limited (trading as Welcome Finance) sold on a debt even though he’d settled it. backgroundIn 2007 Mr P took out a loan with Welcome Finance. By 2008 his circumstances had changed and he was unable to keep up with the repayments.... (2 pages)View decision -
Decision Reference DRN5441059
14 May 2018 AIB Group (UK) Plc Not upheldBanking and creditMr B1 and Mr B2 complain that AIB Group (UK) Plc has breached an agreement to accept £3,000 to pay off their debt to the bank.backgroundMr B1 and Mr B2 said that they had reached an agreement with AIB to pay part of what they owed in full and final settlemen... (3 pages)View decision -
Decision Reference DRN-2794973
7 Jun 2021 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-2794973 The complaint Mr O complains that he isn’t responsible for his debt with Clydesdale Bank Plc trading as Virgin Money (Virgin). What happened Mr O opened a credit card account with Virgin in September 2016 with a limit of £6000. He transferred a debt to it on an interest free of... (3 pages)View decision -
Decision Reference DRN-4577414
28 Feb 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4577414 The complaint Ms J complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible when it offered her a credit card account. What happened Virgin Money opened a credit card account for Ms J in June 2022 with a credit limit of £4,100. I understand that the limit wa... (3 pages)View decision -
Decision Reference DRN0084245
16 Feb 2018 Link Financial Limited Not upheldBanking and creditMrs M complains that Link Financial Limited is pursuing her for a debt which she shouldn’tbe held liable for.backgroundMrs M had a credit card with another financial business. The outstanding debt on the cardwas passed to Link to recover in 2003.In 2017, Mrs M told ... (2 pages)View decision -
Decision Reference DRN5998105
15 Oct 2013 Barclays Bank Plc Not upheldBanking and creditMr M complains that Barclays Bank Plc wrongly told him in 2008 that his credit card account was closed, leading to interest and charges being applied and his credit rating being affected. He also complains that Barclays took money from his current account without warning, to pay his credi... (3 pages)View decision -
Decision Reference DRN2777880
13 May 2020 Link Financial Outsourcing Limited Not upheldBanking and creditMrs T has complained via a third party that Link Financial Outsourcing Limited has unfairly pursued her for a debt it was servicing for another company. background Mrs T took out a credit card with a bank and arrears accrued on the account of just under £3,000. Mrs T agreed to pay the debt... (3 pages)View decision -
Decision Reference DRN-4858590
4 Dec 2024 Oakwood Homeloans Limited UpheldMortgagesDRN-4858590 The complaint Mr P complains that Oakwood Homeloans Limited is pursuing him for outstanding debt following the repossession and sale of his buy-to-let properties in 2016. The mortgages were secured against the properties but the sales left a shortfall that remains outstandin... (5 pages)View decision -
Decision Reference DRN-3069896
24 Sep 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3069896 The complaint Mr P complains that Capital One (Europe) plc has unfairly increased his minimum monthly payment as a result of being in persistent debt on one of his credit cards. What happened Mr P has two credit card accounts with Capital One. On card ending 5318, Mr P has bee... (5 pages)View decision
