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 DRN5218766
16 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMs R has complained that Bank of Scotland plc, trading as Halifax, is asking her to pay two credit card debts. She believes that her details have been changed without her consent which has led to the arrears.This complaint is related to another complaint Ms R ha... (2 pages)View decision -
Decision Reference DRN4096411
22 Jul 2015 Barclays Bank Plc Not upheldBanking and creditMr E has complained that Barclays Bank Plc is charging interest on his Barclaycard balance, whilst Mr E is on a debt management plan due to financial difficulties.backgroundMr E entered a debt management plan (‘DMP’) in 2010. Due to this, Barclays accepted monthly payme... (2 pages)View decision -
Decision Reference DRN-3364893
13 Apr 2022 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3364893 The complaint Mr V has complained about Lowell Portfolio I Ltd purchasing a debt which he says isn’t his. What happened This complaint is about a consumer credit account that was opened in 2017, defaulted in 2019, and was sold to Lowell in 2021. After Lowell bought the account,... (2 pages)View decision -
Decision Reference DRN6205095
26 Sep 2018 Clydesdale Bank Plc Not upheldBanking and creditMr B complains that Clydesdale Bank Plc sold his debt to an overseas company which isn’t regulated in the UK.backgroundMr B had a commercial real estate loan with Clydesdale which came to the end of its term in 2014.At that point, Clydesdale agreed to continue to all... (3 pages)View decision -
Decision Reference DRN6558456
9 Jul 2014 Lloyds Bank PLC UpheldPayment protection insurance (PPI)This complaint is made by Mr J about a payment protection insurance (PPI) policy he says Lloyds Bank PLC (“Lloyds”) mis-sold to him and the compensation Lloyds has offered to pay to him in relation to the policy.backgroundIn July 2011 Lloyds made an offer to settle Mr J’s complaint reg... (3 pages)View decision -
Decision Reference DRN-5069853
23 Oct 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-5069853 The complaint Mr and Mrs M complain that Tandem Home Loans Ltd continued to contact them regarding their debt despite them being declared bankrupt in 2017. They also said it has recorded incorrect information on their credit files. What happened In 2014, Mr and Mrs M took ou... (4 pages)View decision -
Decision Reference DRN1224549
26 Oct 2016 Santander UK Plc Not upheldBanking and creditMr S complains that Santander UK Plc unfairly expected him to repay a debt which he believed to have been written off.backgroundMr S owed money to Santander for a credit card debt. The debt was placed by Santander with a collections agent, but Mr S says that the coll... (2 pages)View decision -
Decision Reference DRN6917215
2 Jul 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Ms M complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr and Ms M remortgaged, acting on advice from L&G. At the time, they had two credit cards, a loan and an overdra... (2 pages)View decision -
Decision Reference DRN6207556
5 Aug 2019 National Westminster Bank Plc Not upheldBanking and creditMr C’s unhappy that National Westminster Bank Plc (NatWest) are chasing him for payment of a debt on a personal credit card account which he thought had been paid off in 2016. backgroundNatWest say that Mr C held a personal credit card account with them, and the last payment for this accou... (2 pages)View decision -
Decision Reference DRN-3713594
6 Oct 2022 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-3713594 The complaint Miss N complains that Lloyds Bank PLC (“Lloyds”) didn’t provide her with enough support to address arrears on her credit card after she became ill in 2014. What happened Miss N held various accounts with Lloyds. Unfortunately, Miss N became unwell in 2014 which le... (3 pages)View decision
