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 74386 results
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Decision Reference DRN1113613
22 Feb 2016 Bryan Carter Solicitors LLP Not upheldBanking and creditMr F is unhappy that Bryan Carter Solicitors LLP has been chasing him for payment of a debt owing to its client. He says this is in breach of various regulations as the debt is statute barred and no longer legally enforceable. He wants an apology and compensation.ba... (2 pages)View decision -
Decision Reference DRN4259963
27 Oct 2016 Arrow Global Limited UpheldBanking and creditMr S complains that Arrow Global Limited (Arrow) has been wrongly chasing him for a debt he doesn’t owe. He wants compensation for the distress and inconvenience he says this caused him.backgroundI issued my provisional decision in September 2016, a copy of which is at... (3 pages)View decision -
Decision Reference DRN-4287830
7 Sep 2023 ACI-UK LIMITED Not upheldConsumer CreditDRN-4287830 The complaint Mr I complains about the way that ACI-UK Limited (ACI) has managed the collection of a debt in his name. Mr I wants ACI to accept his settlement offer and write the debt off. What happened In 2022, ACI bought an account in Mr I’s name. The account was originally h... (2 pages)View decision -
Decision Reference DRN5297596
31 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr S complains that Legal & General Partnership Services Limited (L&GPS) gave him unsuitable mortgage advice. In particular he says he was not advised to consider remaining with his existing lender and the advice to consolidate unsecured debts onto his mortgage w... (4 pages)View decision -
Decision Reference DRN-4644499
11 Mar 2024 Freedom Finance Limited UpheldMortgagesDRN-4644499 The complaint Mr F and Miss H complain they were mis-sold a second charge mortgage (secured loan) by Freedom Finance Limited. What happened In February 2019 Mr F and Miss H took advice from Freedom Finance, which recommended they take a secured loan with a lender I’ll call U. T... (10 pages)View decision -
Decision Reference DRN3122298
3 Apr 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs M complain that Legal & General Partnership Services Limited mis-sold them a mortgage. In particular, they complain that the advice to re-mortgage when they would incur an early repayment charge (ERC) on their existing mortgage and to consolidate their uns... (2 pages)View decision -
Decision Reference DRN8614774
23 Oct 2018 Link Financial Outsourcing Limited UpheldBanking and creditMrs W complains that Link Financial Outsourcing Limited (Link Financial) is ng her to make payments towards her outstanding debt which she cannot afford.backgroundMrs W entered into a hire purchase agreement (HPA) in 2007 to acquire a car. She then entered financial d... (2 pages)View decision -
Decision Reference DRN0329103
10 May 2013 Barclays Bank Plc Not upheldBanking and creditMs F complains Barclays put a charge on the late Mr E’s property – and will not remove the charge even though the debt has been repaid.Ms F is the beneficiary of Mr E’s estate. Mr E’s executors gave her permission to bring a complaint to us on behalf of his estate.backgroundMr E’s exec... (2 pages)View decision -
Decision Reference DRN9853591
15 Nov 2016 Bank of Scotland Plc Not upheldBanking and creditMiss C complains that Bank of Scotland plc (trading as Halifax) sold her credit card debt to a third party without telling her. She also says her original credit card application is fraudulent.background Miss C took out a Halifax credit card in June 2003. She says ... (2 pages)View decision -
Decision Reference DRN7590272
18 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMr D complains about the action taken by Lloyds Bank PLC to recover an outstanding amount.backgroundMr D previously held some loans and a bank account with Lloyds. The bank have been trying to recover the outstanding balance since 2001.Mr D is unhappy that he has been th... (2 pages)View decision
