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 367300 results
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Decision Reference DRN9426572
13 Oct 2015 NewDay Ltd UpheldBanking and creditMr M complains NewDay Ltd has been asking others to try and recover a debt he believes he’d already paid off.backgroundMr M says he took out a store card in the 1990s and made regular payments towards it. He says that the direct debit used to pay the card was mist... (2 pages)View decision -
Decision Reference DRN3019714
13 Oct 2015 Barclays Bank Plc Not upheldBanking and creditMr O and Mr P are unhappy about the action Barclays Bank plc has taken to recover a commercial loan from them. backgroundIn 2005 Mr O and Mr P took out a 20 year loan to pay for a property. They ran their business from it. But in 2010 the business had some p... (2 pages)View decision -
Decision Reference DRN5694608
13 Oct 2015 Nationwide Building Society UpheldBanking and creditMr D complains that Nationwide Building Society, trading as Cheshire Building Society, gave him contradictory information about if, and how, he could receive gross interest on two fixed- rate bonds he held with it.backgroundMr D lives abroad. He has various savings an... (2 pages)View decision -
Decision Reference DRN7775199
13 Oct 2015 Sterling Financial Security Ltd UpheldBanking and creditMiss M complains Sterling Financial Security Ltd agreed to help her reduce her debts but hasn’t done so.backgroundIn 2009 Miss M agreed that Sterling Financial Security – known as “Best Solution” – would help reduce her debts. Miss M paid £150 a month to Best Solutio... (2 pages)View decision -
Decision Reference DRN9845681
13 Oct 2015 Lowell Portfolio I Ltd UpheldBanking and creditMr M complains Lowell Portfolio I Ltd failed to investigate how much he owes when it was asked to try and recover a debt he believes he’d already paid off.background Mr M says he took out a store card in the 1990s and made regular payments towards it. He says tha... (1 page)View decision -
Decision Reference DRN6545847
13 Oct 2015 HSBC Bank plc Not upheldBanking and creditMr K, a director of M, a limited company, says HSBC Bank Plc (“HSBC”) has treated him unfairly with regard to a bank account.backgroundMr K has said “I have banked with HSBC, since August 2005 using 2 accounts (gives account details) with my wife and a business ac... (2 pages)View decision -
Decision Reference DRN0797810
13 Oct 2015 Clydesdale Financial Services Limited Not upheldBanking and creditMr O complains that Clydesdale Financial Services Limited did not tell him that he would be charged interest if he did not repay his point of sale loan within a year. backgroundMr O took out a point of sale loan to pay for a television in February 2014. The loan ... (2 pages)View decision -
Decision Reference DRN0739374
13 Oct 2015 Experian Limited Not upheldBanking and creditMrs A complains Experian Limited charged her fees without her authority.backgroundMrs A says she went online in 2012 to get a free copy of her credit report from Experian. She says she was asked to give her card details but was told that these would only be use... (2 pages)View decision -
Decision Reference DRN4981347
13 Oct 2015 RCI Financial Services Limited UpheldBanking and creditMiss D complains about the quality of a car she acquired under a hire purchase agreement with RCI Financial Services LimitedbackgroundMiss D acquired a new car financed by a hire purchase agreement with RCI in September 2013. She experienced problems with the stop start ... (3 pages)View decision -
Decision Reference DRN9120462
13 Oct 2015 First Grade Finance Ltd UpheldBanking and creditMiss F complains that First Grade Finance Ltd took an unauthorised payment from her account. backgroundIn March 2015, Miss F made an online application for a loan from First Grade. She thought she was applying directly to a loan company. First Grade is in fact a cred... (2 pages)View decision
