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 70856 results
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Decision Reference DRN2955516
11 Jun 2020 TSB Bank plc UpheldBanking and creditMr and Mrs B complain that TSB Bank plc refused their application to port their mortgage product.backgroundMr and Mrs B took out a mortgage with TSB in 2016 for £87,200 on a capital repayment basis with a term of 11 years. They also took out a fixed rate mortgage product for five years wit... (4 pages)View decision -
Decision Reference DRN-3699575
23 Sep 2022 Mortgage Express Not upheldMortgagesDRN-3699575 The complaint Mr H complains that Mortgage Express is unfairly pursuing him for repayment of a mortgage shortfall resulting from its sale of his property in 2009. What happened In 2007, Mr H took a buy to let remortgage with Mortgage Express for approximately £93,500 plus fees.... (4 pages)View decision -
Decision Reference DRN0684563
26 Oct 2015 Barclays Bank Plc UpheldBanking and creditMrs A complains that Barclays Bank PLC is pursuing her for a debt about which she knows nothing.background Mrs A says she received a letter from Barclays in late 2014 telling her that an outstanding debt had been passed to a debt recovery agent. Mrs A says she ... (2 pages)View decision -
Decision Reference DRN-1665414
26 Jun 2020 Somerset Bridge Insurance Services Limited UpheldInsuranceDRN-1665414 The complaintMr M is unhappy with the administration of his motor insurance policy by Somerset Bridge Insurance Services Limited. What happenedMr M had a motor insurance policy which was administered by Somerset Bridge Insurance Services Limited (SBIS). During the period coveri... (5 pages)View decision -
Decision Reference DRN9373561
18 Mar 2015 Lloyds Bank PLC UpheldBanking and creditMrs E complains that Lloyds Bank PLC is holding her liable for an outstanding debt on a joint account despite not notifying her of the debt. She does not want to be held responsible for the debt. background Mrs E received a letter from Lloyds seeking repayment of a d... (2 pages)View decision -
Decision Reference DRN-4561389
16 Jan 2024 Lowell Portfolio I Ltd UpheldBanking and PaymentsDRN-4561389 The complaint Miss W complains that Lowell Portfolio I Ltd harassed her in relation to an unenforceable debt. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Lowell says Miss W had a credit card with a b... (4 pages)View decision -
Decision Reference DRN1463286
7 Sep 2016 Kapama Limited UpheldBanking and creditMr B complains that he took out payday loans which were unaffordable. He says the lender didn’t carry out proper checks before issuing the loans to him. He has asked Kapama Limited to refund all interest and charges and to remove details of the loans from his credit... (2 pages)View decision -
Decision Reference DRN6100093
28 Oct 2015 Clear View Finance Limited UpheldBanking and creditMr C complains Clear View Finance Limited didn’t make all the monthly payments to his creditors that it agreed to make.backgroundMr C entered into a combined debt management and reduction plan with Clear View in 2012. Clear View said it would attempt to secure an overa... (2 pages)View decision -
Decision Reference DRN0691564
5 Jul 2017 Lloyds Bank PLC Not upheldBanking and creditMrs R has complained via her son, Mr R, that Lloyds Bank PLC wrongly sold her debt to a third party collection agency without advising her and she can’t now get a replacement paying-in book. backgroundIn 2010 Mrs R’s was experiencing financial difficulties and her ... (2 pages)View decision -
Decision Reference DRN9896163
4 Nov 2015 Erudio Student Loans Limited UpheldBanking and creditMr G has complained that Erudio Student Loans Limited is wrongly seeking student loan repayments from him.background Mr G took out three student loans, and Erudio now owns that debt. In particular, he says he wasn’t sent a notice of assignment (to say the owner of the... (2 pages)View decision
