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 77095 results
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Decision Reference DRN5389813
29 Sep 2015 Arrow Global Management Limited Not upheldBanking and creditMr R complains that Arrow Global Management Limited acted unreasonably in starting court proceedings against him. Arrow stayed the proceedings but added the costs it had incurred to the debt Mr R owes. He wants it to write off the court costs, reduce his debt by £200... (2 pages)View decision -
Decision Reference DRN1358387
30 Sep 2013 The Mortgage Matters Partnership Not upheldBanking and creditMr and Mrs W complain that The Mortgage Matters Partnership provided them with misleading and unsuitable mortgage advice.backgroundMr and Mrs W asked The Mortgage Matters Partnership, a mortgage broker, for advice in respect of re-mortgages that took place in 2004 and 2006. On both occa... (3 pages)View decision -
Decision Reference DRN-3825636
5 Dec 2022 Openwork Limited Not upheldMortgagesDRN-3825636 The complaint Mrs and Mr P have complained about the advice they were given by an appointed representative of Openwork Limited when they wanted to consolidate some unsecured debts. Openwork said a further advance with their existing lender wasn’t possible and referred them to a... (4 pages)View decision -
Decision Reference DRN-5935004
10 Nov 2025 Topaz Finance Limited Not upheldMortgagesDRN-5935004 The complaint Miss B has raised several complaints about Topaz Finance Limited trading as Hyalite Mortgages. Miss B said that Hyalite are pursuing her for a shortfall which was outstanding when her property was sold following repossession. She has raised the following issues... (3 pages)View decision -
Decision Reference DRN-3182919
18 Jan 2022 Debt Managers (Services) Limited UpheldConsumer CreditDRN-3182919 The complaint Mr M has complained that Debt Managers (Services) Limited have been reporting incorrect information on his credit file. What happened This complaint is about a consumer credit agreement which defaulted in 2016 and was acquired by Debt Managers in 2017. In March 20... (2 pages)View decision -
Decision Reference DRN0711523
24 May 2016 HSBC Bank plc Not upheldBanking and creditMr L complains that HSBC Bank Plc has not treated him fairly in that it recorded a default on his credit file without having sent him a default notice. He says the bank is not able to provide proof he owes the debt, and it should remove the default listing. backgroun... (2 pages)View decision -
Decision Reference DRN-4819247
24 Oct 2024 Tandem Home Loans Ltd Not upheldMortgagesDRN-4819247 The complaint Miss B complains about a secured loan provided to her by Tandem Home Loans Ltd trading as Oplo. She says it was irresponsible of Oplo to provide this loan to her as she was vulnerable, and it wasn’t affordable. What happened Miss B applied for a secured loan wi... (3 pages)View decision -
Decision Reference DRN1572146
21 Nov 2019 HSBC UK Bank Plc Not upheldBanking and creditMr and Mrs P complain that HSBC UK Bank Plc unfairly refused their application for further borrowing on their mortgage. They say they wanted to use the borrowing to pay off unsecured debt.backgroundMr and Mrs P had an existing mortgage with HSBC. They reviewed their finances and decided to... (4 pages)View decision -
Decision Reference DRN5712787
2 Jun 2016 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr S by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr S is concerned about the suitability of advice to consolidate a 0% credit card debt into a mortgage term. To resolve this co... (2 pages)View decision -
Decision Reference DRN6483022
19 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMrs C complains that NEO Media Solutions Limited (trading as One Debt Solution) failed to administer her debt management plan appropriately.our initial conclusionsOur adjudicator upheld the complaint. She concluded that One Debt Solution failed to meet the requirements of the Of... (2 pages)View decision