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 70898 results
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Decision Reference DRN-3655351
2 Feb 2023 MBNA Limited Not upheldBanking and PaymentsDRN-3655351 The complaint Mr C complains that MBNA Limited have not treated him with forbearance when his credit card account was in persistent debt. What happened Mr C says MBNA repeatedly refused to reduce his credit card account interest rate to 0% while he was in persistent debt and he... (3 pages)View decision -
Decision Reference DRN3976848
21 Feb 2018 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs R have complained that Bank of Scotland plc, trading as Halifax, applied a default to their credit file about an outstanding balance. They weren’t aware of this and would like the bank to remove the defaults. backgroundMr and Mrs R had disputed a £10,000... (2 pages)View decision -
Decision Reference DRN0039157
17 Dec 2013 Fastmoney.co.uk Limited Not upheldBanking and creditMr K complains that Fastmoney.co.uk Limited mis-sold him a mortgage. The complaint is brought on his behalf by a claims management company.backgroundMr K responded to a newspaper advert and asked Fastmoney to arrange him a remortgage. He wanted to repay his secured and unsecured lendin... (2 pages)View decision -
Decision Reference DRN9507256
17 Jan 2014 Asset Mortgage Solutions Limited Not upheldBanking and creditMr and Mrs N complain that Asset Mortgage Solutions Ltd – a mortgage broker – recommended a mortgage that was unsuitable for them.backgroundIn 2007, the broker recommended that Mr and Mrs N take a further advance with their existing lender on an interest only basis. The reason for the... (2 pages)View decision -
Decision Reference DRN3327128
30 Mar 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr T and Mrs L complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.background Mr T and Mrs L had a mortgage taken out in 2006. Just over a year later, in 2008, they re- mortgaged on L&G’s advice. In doing so they pai... (3 pages)View decision -
Decision Reference DRN9417976
14 Jan 2020 PRA Group (UK) Limited Not upheldBanking and creditMr P complains that PRA Group (UK) Limited are now pursuing him for a debt that he thought had been settled. backgroundMr P took out a fixed-sum loan agreement in September 2009 with a third-party creditor to help fund the purchase of a car. He eventually returned the vehicle to the main f... (2 pages)View decision -
Decision Reference DRN5922955
21 Dec 2018 Lowell Financial Ltd Not upheldBanking and creditMr B complains that Lowell Financial Ltd is pursuing him for a debt he doesn’t owe.backgroundLowell acquired a debt amounting to £767.20 from a mobile phone company in February 2016. It sent a letter of assignment to Mr B in March 2016. Shortly before this Mr B ha... (2 pages)View decision -
Decision Reference DRN-4322062
21 Sep 2023 Nationwide Building Society UpheldConsumer CreditDRN-4322062 The complaint Mrs P complains that Nationwide Building Society was irresponsible in its lending to her. What happened Mrs P was provided with four loans by Nationwide between 2017 and 2022. She says the loan amount almost tripled and this is due to her struggling financially. S... (4 pages)View decision -
Decision Reference DRN7796200
23 Dec 2015 MEM Consumer Finance Limited Not upheldBanking and creditMr T complains that MEM Consumer Finance Limited (trading as Payday UK) won’t accept that he paid off a loan after it passed the debt to third party collectors. backgroundIn 2009 Mr T took out a loan with Payday UK. He had some financial difficulties and Payday ... (2 pages)View decision -
Decision Reference DRN3691444
6 Mar 2014 Robinson Way Limited UpheldBanking and creditMrs D complains that Robinson Way Limited is asking her to pay a debt that she does not owe. Mrs D wants Robinson Way to apologise and pay her compensation for the distress and inconvenience she has suffered.backgroundMrs D says that she received a letter from Robinson Way in 2013 and co... (1 page)View decision
