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 70772 results
-
Decision Reference DRN1357169
18 Feb 2019 Link Financial Outsourcing Limited UpheldBanking and creditMr G is unhappy that Link Financial Outsourcing Limited (Link Financial) won’t write off his outstanding debt.backgroundMr G contacted Link Financial in November 2017 to ask them to write-off the outstanding debt he had with them. He included a letter from his GP which o... (3 pages)View decision -
Decision Reference DRN1576494
13 Jun 2014 The Royal Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is that The Royal Bank of Scotland Plc (RBS) used part of the redress from a mis-sold payment protection insurance (PPI) policy to offset an outstanding debt on his current account. Mr A wants RBS to pay all the redress directly to him.backgroundIn 2013 Mr A complained t... (3 pages)View decision -
Decision Reference DRN-4461788
1 Dec 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4461788 The complaint Mrs G complains that Tesco Personal Finance PLC trading as Tesco Bank irresponsibly agreed a loan for her. What happened Tesco agreed a loan of £14,999.29 for Mrs G in January 2019. The total amount owed was £18,528.60 to be repaid at £308.81 a month over 5 years.... (3 pages)View decision -
Decision Reference DRN-5278474
22 Jan 2025 Southern Pacific Mortgage Limited UpheldMortgagesDRN-5278474 The complaint Mr L complains that Southern Pacific Mortgage Limited (SPML) took payments from him in respect of a mortgage after he had been discharged from bankruptcy, and that it reported missed payments to his credit file. What happened Mr L took out a mortgage with SPML ... (4 pages)View decision -
Decision Reference DRN0887440
15 Oct 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs C – through their representative- complain that they were mis-sold a mortgage with Legal & General Partnership Services Limited (”Legal &General”) in 2007.backgroundLegal & General recommended a re-mortgage for a term of nine years to Mr and Mrs C.... (3 pages)View decision -
Decision Reference DRN6060950
23 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs L complain that Legal & General Partnership Services Limited gave them unsuitable advice about consolidating debts.backgroundMr and Mrs L asked for advice from Legal & General about re-mortgaging in 2010. Their fixed rate product had ended and they ... (2 pages)View decision -
Decision Reference DRN-5274951
6 Feb 2025 Evolution Money Limited UpheldMortgagesDRN-5274951 The complaint Mr and Mrs Z complain that Evolution Money Limited mis-sold them a second charge mortgage (secured loan) which wasn’t suitable for their needs. What happened In 2018 Mr and Mrs Z discussed taking out a secured loan with Evolution Money. Evolution Money recommen... (2 pages)View decision -
Decision Reference DRN0388472
24 Jan 2019 Bank of Scotland Plc Not upheldBanking and creditMr R complains that Bank of Scotland plc trading as Halifax incorrectly applied a default on his credit file. He would like this default removed and compensation for the time and effort taken in raising this complaint.backgroundMr R fell into financial difficulties ... (3 pages)View decision -
Decision Reference DRN5481366
7 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs G complains that she wasn’t provided with satisfactory advice about her debt management plan (“DMP”), which was sold to her by a third party (“T”). The DMP was then passed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks Debt Management, (“HB... (3 pages)View decision -
Decision Reference DRN8588506
2 Jan 2014 Kensington Financial Management Consultants Limited Not upheldBanking and creditMr B complains that Kensington Financial Management Consultants Limited (KFMC), trading as Kensington Finance, mistakenly included his car hire purchase agreement in a debt management plan, and that as a consequence, his car was subsequently re-possessed. backgroundIn January 2013, Mr B ... (2 pages)View decision
