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 354994 results
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Decision Reference DRN1665230
10 Jun 2015 Bank of Scotland Plc Not upheldBanking and creditMr B complains that someone used a debit card to make numerous transactions from his current account with Bank of Scotland plc (trading as Halifax). The bank won’t refund the money.backgroundOn 17 November 2014, someone called Halifax. They said they were Mr B. Thi... (2 pages)View decision -
Decision Reference DRN4389913
10 Jun 2015 Uncle Buck Payday Loans LLP UpheldBanking and creditMiss B’s unhappy that Uncle Buck Payday Loans LLP wouldn’t accept her offer of payment or enter into her debt management plan.backgroundMiss B took out ten payday loans with Uncle Buck in a roughly nine month period. The amount she borrowed increased in the first coup... (3 pages)View decision -
Decision Reference DRN3215421
10 Jun 2015 Microcredit Limited UpheldBanking and creditMrs O has complained that the fees and charges applied to a number of her loans with Microcredit Limited were unfair, and that the borrowing was unaffordable.backgroundMrs O took out 10 loans with Microcredit over a six month period. She has explained that she fell in... (2 pages)View decision -
Decision Reference DRN8558695
10 Jun 2015 Santander UK Plc Not upheldBanking and creditMr C says that Santander UK Plc (trading as Cahoot) acted unfairly when it increased the interest rate on his flexible loan. He also complains that the direct debit he set up to pay the loan was changed without his consent.backgroundCahoot was launched in 2000 as the int... (3 pages)View decision -
Decision Reference DRN0506527
10 Jun 2015 Clydesdale Financial Services Limited UpheldBanking and creditMrs M complains about the quality of a car she bought funded by a fixed sum loan from Clydesdale Financial Services Limited. She is assisted in her complaint by Mrs W, her daughter.backgroundMrs M bought a six year old car with a mileage of 60,000 in November 2013. T... (2 pages)View decision -
Decision Reference DRN3550360
10 Jun 2015 Express Gifts Ltd Not upheldBanking and creditMrs C complains that she has been charged excessive default fees by Express Gifts Ltd.backgroundMrs C says that she has been charged £20 for default fees when other finance providers charge £12 in line with the guidance from the Office of fair Trading (OFT). Mrs C says... (1 page)View decision -
Decision Reference DRN1580311
10 Jun 2015 Microcredit Limited UpheldBanking and creditMiss R has complained that Microcredit Limited debited money from her account in respect of a loan she did not owe.backgroundMiss R has explained that a relative’s loan with Microcredit was paid into her account, as the relative had a problem with her own account whic... (1 page)View decision -
Decision Reference DRN1538256
10 Jun 2015 Erudio Student Loans Limited Not upheldBanking and creditMr C is unhappy with the way that Erudio Student Loans Limited handled his application to defer his student loan repayments.backgroundMr C says that he received poor customer service from Erudio. His deferment application was drawn out, as Erudio required further informa... (2 pages)View decision -
Decision Reference DRN2334170
10 Jun 2015 Barclays Bank Plc Not upheldBanking and creditMrs L is unhappy that Barclays Bank PLC is asking her to repay a loan she says she didn’t take out. Mrs L is also unhappy that the bank won’t refund money she says was transferred without her authority. Mrs L’s representative, Mr F, brings the complaint on her beha... (2 pages)View decision -
Decision Reference DRN9830994
10 Jun 2015 National Westminster Bank Plc UpheldBanking and creditMr and Mrs G complain that National Westminster Bank Plc is acting unfairly in dealing with their liability under a personal guarantee they gave to support company borrowing.backgroundMr and Mrs G gave a guarantee for £84,991 in April 2005 in favour of their compan... (2 pages)View decision
