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 364422 results
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Decision Reference DRN-4594130
8 Apr 2024 Paymentsense Limited Not upheldBanking and PaymentsDRN-4594130 The complaint H, a limited company, complains that Paymentsense Limited trading as Dojo applied charges relating to card transactions even though it never released the funds. What happened The director of H explains he wanted to sell items to an existing customer. H had a limit... (2 pages)View decision -
Decision Reference DRN-4722459
8 Apr 2024 National Westminster Bank Plc UpheldConsumer CreditDRN-4722459 The complaint Mr B complains that National Westminster Bank Plc was irresponsible in its lending to him. Mr B is represented by a family member Mr B1. What happened Mr B was provided with a loan for £5,300 by NatWest in June 2023. The loan was repayable over 12 months with mont... (4 pages)View decision -
Decision Reference DRN-4570320
8 Apr 2024 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-4570320 The complaint Mr L complains that Tesco Personal Finance PLC trading as Tesco Bank won’t accept there was an issue when he was unable to make a payment using its online and app services. Although we have asked Mr L what redress he is seeking he hasn’t responded. What happened ... (2 pages)View decision -
Decision Reference DRN-4724486
8 Apr 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4724486 The complaint Mr M, via a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He says that due to his personal and financial circumstances this agreement was simply unaffordable and from the outset. What... (3 pages)View decision -
Decision Reference DRN-4677491
8 Apr 2024 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4677491 The complaint Mrs T and Mr T complain The Royal Bank of Scotland plc trading as Virgin One account (RBS) failed to provide sufficient notice before closing their bank account. What happened Mr T says when he went online in August 2023 he discovered his joint bank account with R... (3 pages)View decision -
Decision Reference DRN-4724211
8 Apr 2024 Lloyds Bank PLC UpheldBanking and PaymentsDRN-4724211 The complaint The estate of the late Mrs B has complained that Lloyds Bank PLC delayed the arrangement of an executor account, causing financial loss to the estate. The executors have brought this complaint on behalf of the estate, and Mr B has made the submissions on behalf of... (3 pages)View decision -
Decision Reference DRN-4631862
8 Apr 2024 HSBC UK Bank Plc UpheldConsumer CreditDRN-4631862 The complaint Mrs M complains that HSBC UK Bank Plc unfairly defaulted her loan account after she had agreed a payment break. What happened In September 2022, Mrs M contacted HSBC to request a payment holiday on her loan due to having a reduced income as she was on maternity le... (4 pages)View decision -
Decision Reference DRN-4708953
8 Apr 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4708953 The complaint Mrs W says that Vanquis Bank Limited (Vanquis) were unreasonable to default her account. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on giving my reasons for my decision. What ... (2 pages)View decision -
Decision Reference DRN-4626088
8 Apr 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4626088 The complaint Miss K complains that Santander UK Plc made an unauthorised disclosure of her bank statement to a family member causing embarrassment and loss. What happened Miss K said she was on her way to work and asked a family member to pay in a cheque on her behalf. Santan... (2 pages)View decision -
Decision Reference DRN-4465599
8 Apr 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-4465599 The complaint Mr Q has complained that Monzo Bank Ltd provided him with an overdraft without doing the right affordability checks. He says the overdraft was unaffordable and has asked for all interest and charges incurred on the overdraft to be refunded. What happened Mr Q took... (4 pages)View decision
