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 3961 results
-
Decision Reference DRN1719972
10 Jan 2018 Santander UK Plc UpheldBanking and creditMr E paid a foreign cheque into his account with Santander UK Plc. He complains that, afterSantander told him he could withdraw the money, the cheque was returned unpaid and thebank debited his account without telling him.backgroundEarlier this year, Mr E was contacte... (4 pages)View decision -
Decision Reference DRN-4175950
31 Aug 2023 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4175950 The complaint Mr A complains that Lloyds Bank PLC blocked his personal bank account after it had been notified of a fraud claim from a third party. Mr A says that he’s been unable to access the funds in his account after Lloyds Bank PLC decided to close his account. What happen... (3 pages)View decision -
Decision Reference DRN-3897291
12 Jan 2023 FCE Bank Plc Not upheldConsumer CreditDRN-3897291 The complaint Ms K complains about FCE Bank Plc trading as Ford Credit’s (“FCE”) decision to lend her and its actions after she told it she could no longer make payments towards a hire purchase agreement. What happened Ms K entered into a hire purchase agreement with FCE in Apr... (8 pages)View decision -
Decision Reference DRN-3663334
13 Oct 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3663334 The complaint K, a limited company, complains that Barclays Bank UK Plc refused to process a cheque that they deposited, and instead closed the account. What happened K is represented by its director Ms E. K held an account with Barclays. Ms E went into a Barclays branch to dep... (2 pages)View decision -
Decision Reference DRN4245483
15 Aug 2014 Vanquis Bank Limited Not upheldBanking and creditMr R complains that Vanquis Bank Limited is holding him responsible for six online credit card transactions he says he didn’t make or authorise.backgroundMr R says he doesn’t recognise certain transactions made in August and September 2013. The transactions were made with two different o... (3 pages)View decision -
Decision Reference DRN5238466
19 Feb 2020 Santander UK Plc Not upheldBanking and creditMr A complains Santander have refused to refund a number of transactions he says he didn’t consent to.backgroundOn 11 September 2017 Mr A received quarterly student loan payments totalling £4,814.76 in to his overdrawn account. The disputed activity began on the same day. An initial cash w... (5 pages)View decision -
Decision Reference DRN0336329
22 Jul 2013 Bank of Ireland (UK) Plc UpheldInvestment and pensionsMr N has complained that Bank of Ireland (UK) Plc’s rejection of his cheque and application for a Growth Bond was contrary to the applicable terms and conditions and information that he was given. Mr N would like an apology from Bank of Ireland (BOI) along with measures put in place to ... (3 pages)View decision -
Decision Reference DRN7414529
13 Jan 2020 Santander UK Plc Not upheldBanking and creditComplaintMr F has complained that Santander UK Plc registered a CIFAS marker against his name.BackgroundSantander closed Mr F’s account and registered a CIFAS marker after someone had deposited two cheques in his account for £39,310 and £32,000. The first cheque was returned marked ‘unpaid... (4 pages)View decision -
Decision Reference DRN4785977
11 Feb 2020 Bank of Scotland Plc Not upheldBanking and creditComplaintMr N has complained that Bank of Scotland Plc, trading as ‘Halifax’, won’t refund transactions, which he says he didn’t make.BackgroundMr N was abroad from 20 July 2018 to 1 September 2018. He couldn’t access his online banking while he was away. On his return to the UK, he report... (4 pages)View decision -
Decision Reference DRN1951333
28 Apr 2015 Bank of Ireland (UK) Plc Not upheldBanking and creditMr P, who is represented in this complaint by his mother, Mrs P, complains that Bank of Ireland (UK) Plc (“the bank) won’t refund him for disputed transactions on his account.backgroundMr P’s parents had opened a savings account for him when he was a child, and... (2 pages)View decision
