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 70502 results
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Decision Reference DRN-2445468
11 Jan 2021 Santander UK Plc Not upheldMortgagesDRN-2445468 The complaint Mr and Mrs H are unhappy that Santander UK Plc wouldn’t lend them further money on their mortgage to consolidate their debts. They say this forced them to move their mortgage elsewhere and thus incur a £7,260.72 early repayment charge (ERC). Mr and Mrs H have said... (3 pages)View decision -
Decision Reference DRN8256716
27 Sep 2016 Arrow Global Limited Not upheldBanking and creditMs C complains that Arrow Global Limited (“AGL”) had unreasonably delayed in pursuing a debt and applied a charging order to her property without her knowledge on a debt which she believed was unenforceable.backgroundMs C had a credit card debt with a credit card pro... (3 pages)View decision -
Decision Reference DRN-3364893
13 Apr 2022 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-3364893 The complaint Mr V has complained about Lowell Portfolio I Ltd purchasing a debt which he says isn’t his. What happened This complaint is about a consumer credit account that was opened in 2017, defaulted in 2019, and was sold to Lowell in 2021. After Lowell bought the account,... (2 pages)View decision -
Decision Reference DRN5105129
6 Jul 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr F complains that he was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr F had a mortgage. Acting on L&G’s advice, he re-mortgaged, switching lender and consolidating some unsecured debt. This wa... (3 pages)View decision -
Decision Reference DRN7217241
20 Mar 2014 Bournes Limited UpheldBanking and creditMr H complains about a debt management plan he entered into with Bournes Limited. He says Bournes never explained how the plan would operate and payments were not distributed to his creditors as he expected them to be. He complains once he realised what had happened he pursued Bournes ... (3 pages)View decision -
Decision Reference DRN4074571
9 Jun 2015 HSBC Bank plc Not upheldBanking and creditMr F complains about how HSBC Bank plc has dealt with him since he accepted an ombudsman’s decision on a previous complaint.backgroundMr F was the director of a limited company, S. He complained before about the interest HSBC was charging. Mr F was also unhappy that th... (2 pages)View decision -
Decision Reference DRN2465829
14 Jan 2020 Gain Credit LLC UpheldBanking and creditMs F complains that Gain Credit LLC, previously Lending Stream, lent to her in anirresponsible manner.background The background to this complaint was set out in my provisional decision of 28 November 2019, an extract of which is attached and forms part of this final decision, so I won’t re... (5 pages)View decision -
Decision Reference DRN-3344029
1 Mar 2022 National Westminster Bank Plc UpheldConsumer CreditDRN-3344029 The complaint Mr M complains that National Westminster Bank Plc (NatWest) marked his credit file with missed payments for his personal loan and transferred his current account debt and personal loan to a debt collection agency (DCA). What happened Mr M had a current account and... (5 pages)View decision -
Decision Reference DRN5024199
22 Jun 2016 HSBC Bank plc UpheldBanking and creditMrs B complains that HSBC Bank Plc is pursuing her for a debt which it last contacted her about in 1999. She says HSBC is time-barred from pursuing the debt and that its actions have caused her distress and inconvenience. She would like the bank to write off the de... (2 pages)View decision -
Decision Reference DRN9690321
31 May 2018 Barclays Bank Plc Not upheldBanking and creditMr N seeks to complain about the way Barclays Bank Plc has pursued him for a debt it says Mr N has owed it for some years and also how the interest and charges were applied to it.backgroundBarclays sent Mr N its final response letter about the interest and charges... (2 pages)View decision
