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 70661 results
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Decision Reference DRN2409081
1 Aug 2019 BW Legal Services Limited Not upheldBanking and creditMr C is unhappy that bailiffs still visited his home after he’d contacted BW Legal Services Limited (“BW”) to arrange a settlement and prevent bailiff action.backgroundMr C had some debts, and in October 2014 BW was instructed to recover one of these debts. It seems BW tried to contact Mr ... (2 pages)View decision -
Decision Reference DRN-5193372
12 Feb 2025 Metro Bank PLC Not upheldMortgagesDRN-5193372 The complaint Mr J complains that Metro Bank PLC gave him unsuitable advice to consolidate his unsecured debts during a re-mortgage application. He says it didn’t take account of the costs associated with the increased period over which the debt was to be repaid. He also co... (6 pages)View decision -
Decision Reference DRN-3825726
29 Nov 2022 1plus1 Loans Limited UpheldConsumer CreditDRN-3825726 The complaint Ms B complains 1Plus1 Loans Limited unfairly accepted her as the guarantor on a friend’s (‘the borrower’) loan. What happened 1Plus1 Loans provided the borrower with a loan for £3,000 in September 2017. It was repayable over 60 months. The monthly repayments were ... (5 pages)View decision -
Decision Reference DRN-5213622
16 Dec 2024 HARBOUR ROCK CAPITAL LIMITED UpheldPensions and AnnuitiesDRN-5213622 The complaint Mr B has complained about the high fees charged for the advice he was given to transfer his pensions by HARBOUR ROCK CAPITAL LIMITED trading as Portafina. What happened I issued my provisional decision on this complaint on 29 November 2024. The background and ... (7 pages)View decision -
Decision Reference DRN7687079
10 Dec 2019 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs E complain about advice given to them by AWD Home Finance, a mortgage broker and appointed representative of Legal & General Partnership Services Limited. They say it mis-sold a mortgage and other products to them. A claims management company (CMC) brings this complaint on b... (4 pages)View decision -
Decision Reference DRN6822356
11 Jun 2020 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs S complain that the appointed representatives of Legal & General Partnership Limited (L&G) mis-sold them a mortgage. Mr and Mrs S would like the fees and charges to be refunded.backgroundMr and Mrs S re-mortgaged in 2006 through a recommendation from an L&G appointed... (3 pages)View decision -
Decision Reference DRN4964548
6 Apr 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMs D and Mr P complain about the mortgage advice given to them by Legal & General Partnership Services Limited. Ms D and Mr P are represented by a solicitor. They ask for compensation.backgroundMs D and Mr P took out a mortgage in 2006 recommended by Legal & G... (2 pages)View decision -
Decision Reference DRN8037918
31 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMs R complains that NEO Media Solutions Limited (trading as One Debt Solution) charged excessive fees and did not distribute payments to her creditors.backgroundOur adjudicator recommended that the complaint be upheld. In summary she said: as NEO had not had any success in recovering mo... (2 pages)View decision -
Decision Reference DRN8890301
3 Jun 2015 Churchwood Financial Limited UpheldBanking and creditMrs G complains, on behalf of herself and Mr G, that Churchwood Financial Limited (“the firm”) mis-sold them a debt management plan (“DMP”). backgroundIn April 2009, Mrs G was cold-called by the firm to discuss with her its debt management services. Following discussions... (3 pages)View decision -
Decision Reference DRN0387889
25 Mar 2014 Money Debt And Credit Limited Not upheldBanking and creditMr E complains that the individual voluntary arrangement (IVA) he has with Money Debt And Credit (Financial Services) Ltd was wrongly sold.backgroundMr E entered into an IVA with Money Debt and Credit, on the basis that all of his creditors were included in the arrangement. He late... (1 page)View decision
