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 93 results
-
Decision Reference DRN8034392
1 Aug 2019 London and Country Mortgages Ltd Not upheldPayment protection insurance (PPI)Mr and Mrs S complain that London and Country Mortgages Ltd (‘LCM’) mis-sold payment protection insurance (‘PPI’) to them alongside a mortgage. backgroundThe PPI cover that Mr and Mrs S bought was set up to cover Mrs S only. This was a regular premium policy, so they paid for it on a month... (3 pages)View decision -
Decision Reference DRN6384963
8 Jul 2019 London and Country Mortgages Ltd UpheldBanking and creditMs O complained that her mortgage broker London and Country Mortgages Ltd delayed sending proof of her self-employed income to the lender. She said this had unnecessarily delayed the completion of her mortgage.London and Country offered Ms O compensation, but she wanted more. She said it d... (6 pages)View decision -
Decision Reference DRN4768286
21 Jun 2019 London and Country Mortgages Ltd Not upheldBanking and creditMs B complains that London and Country Mortgages Ltd submitted a mortgage application in her name without her consent.backgroundMs B had a joint mortgage on a property with her estranged partner, Mr B. In September 2018 Mr B contacted L&C to discuss re-mortgaging th... (2 pages)View decision -
Decision Reference DRN0471544
24 Apr 2019 London and Country Mortgages Ltd Not upheldBanking and creditMr and Mrs W complained that London and Country Mortgages Ltd (‘’L&C’’ ) didn’t tell them that they wouldn’t be able to borrow more on their new mortgage for seven years. They say this meant they had to rely on credit cards and expensive loans to do work on the... (4 pages)View decision -
Decision Reference DRN8348052
14 Feb 2019 London and Country Mortgages Ltd Not upheldBanking and creditMr and Mrs P complain that London and Country Mortgages Ltd gave them incorrect advice about the cost of their offset mortgage.backgroundMr and Mrs P had an existing variable interest rate mortgage. They wanted an increased amount of mortgage borrowing with a fixed... (3 pages)View decision -
Decision Reference DRN7377202
9 Jan 2019 London and Country Mortgages Ltd UpheldBanking and creditMr K and Ms A complained about the two mortgage recommendations which London andCountry Mortgages Ltd gave them. They said that neither was suitable for them.backgroundMr K and Ms A had a mortgage with a lender which I’ll call A. They wanted to move to adifferent pr... (4 pages)View decision -
Decision Reference DRN2579481
28 Dec 2018 London and Country Mortgages Ltd Not upheldBanking and creditMr D and Mrs A complained that London and Country Mortgages Ltd didn’t process their mortgage application in a timely way. They said this meant that they took a mortgage deal which wasn’t the most economical.backgroundMr D and Mrs A contacted London and Country about ... (3 pages)View decision -
Decision Reference DRN3928062
18 Oct 2018 London and Country Mortgages Ltd UpheldBanking and creditMr W and Miss G complain that London and Country Mortgages Ltd (“L & C”) acted unfairly and unreasonably by passing their details to a solicitor that they didn’t want to instruct, failing to explain the need for a panel solicitor, and generally giving poor custo... (2 pages)View decision -
Decision Reference DRN2433806
23 Sep 2018 London and Country Mortgages Ltd Not upheldBanking and creditMr and Mrs G complain that London and Country Mortgages Ltd (“L & C”) didn’t act fairly or reasonably when dealing with their mortgage application. They want entries removed from their credit records and compensation.background Mr and Mrs G wanted a buy to let m... (2 pages)View decision -
Decision Reference DRN2778067
22 Sep 2018 London and Country Mortgages Ltd UpheldPayment protection insurance (PPI)Mr and Mrs D say London and Country Mortgages Ltd mis-sold them a mortgage payment protection insurance (“PPI”) policy.backgroundThis complaint is about a PPI policy taken out in 2010.Our adjudicator recommended the complaint be upheld. London and Country disagreed ... (2 pages)View decision
