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-4481675
11 Mar 2024 Fluent Money Limited Not upheldMortgagesDRN-4481675 The complaint Mr and Mrs B complain that Fluent Money Limited mis-sold them a second charge mortgage (secured loan). What happened In 2018 Mr and Mrs B approached Fluent Money, a mortgage broker, for advice about taking a secured loan to consolidate unsecured debt. They origina... (3 pages)View decision -
Decision Reference DRN8396729
19 Jan 2016 Arrow Global Limited UpheldBanking and creditMr T complains that Arrow Global Limited (“Arrow”) continued to demand payment of a debt even though it’s statute barred.backgroundArrow bought Mr T’s store card debt in 2011. Mr T says he hadn’t made any payments towards the debt since the end of 2005 when he fell ... (3 pages)View decision -
Decision Reference DRN7228180
9 Jan 2017 NewDay Ltd UpheldBanking and creditMr F complains that NewDay Ltd incorrectly registered a default on his credit file. backgroundSome years ago Mr F fell into financial difficulties and entered into a number of payment plans with lenders including NewDay. In 2013 it defaulted his account and later sol... (2 pages)View decision -
Decision Reference DRN2855650
14 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr B complains that a debt management plan was mis-sold to him by Harrington Brooks (Accountants) Limited. He also complains about the way that the plan has been administered. He is being helped with his complaint by a representative. backgroundMr B entered into a debt ... (2 pages)View decision -
Decision Reference DRN5810878
4 Oct 2019 HSBC UK Bank Plc UpheldBanking and creditComplaintMr L complains, in summary, that HSBC UK Bank Plc is asking him to pay back more than he considers he should pay towards the debt showing on his current account – which was part of a debt management plan.Background Mr L has been in a debt management plan since 2011, with monthly p... (2 pages)View decision -
Decision Reference DRN8400947
8 Mar 2017 Lloyds Bank PLC Not upheldBanking and creditMr S complains that Lloyds Bank plc has recorded a default against him relating to an account which was used by his ex-partner without his knowledge or consent. backgroundMr S contacted Lloyds in February 2015 because his current account had been used for transactions t... (2 pages)View decision -
Decision Reference DRN6005000
20 Feb 2019 United Trust Bank Limited UpheldBanking and creditMs P is unhappy that United Trust Bank Limited is holding her responsible for a debt of £50,000 secured on her property which she says she didn’t take out. backgroundIn October 2016 a £50,000 loan secured against Ms P’s property was taken out online, via a broker, ... (4 pages)View decision -
Decision Reference DRN-4844987
11 Jun 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4844987 The complaint and what happened Mr C complains that Creation Consumer Finance Ltd lent to him irresponsibly and without carrying out proper affordability checks. He would like all the fees and charges associated with the loan refunded, as well as compensation for the length of ... (2 pages)View decision -
Decision Reference DRN7216254
21 Jul 2016 TD Direct Investing (Europe) Limited Not upheldInvestment and pensionsMr M complains that TD Direct Investing (Europe) Limited (TD) sold shares he held without telling him and did not let him postpone the sale.Mr M wants TD to compensate him for the losses he incurred when the shares were sold. He also wants TD to refund the interest i... (3 pages)View decision -
Decision Reference DRN3148625
5 Mar 2020 MBNA Limited UpheldBanking and creditComplaintMrs K complains that MBNA Limited waited too long before defaulting her credit card. BackgroundThe background to this complaint and my initial conclusions are set out in my provisional decision – a copy of which is attached and forms part of this final decision. In my provisional ... (4 pages)View decision
