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 69825 results
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Decision Reference DRN-5274951
6 Feb 2025 Evolution Money Limited UpheldMortgagesDRN-5274951 The complaint Mr and Mrs Z complain that Evolution Money Limited mis-sold them a second charge mortgage (secured loan) which wasn’t suitable for their needs. What happened In 2018 Mr and Mrs Z discussed taking out a secured loan with Evolution Money. Evolution Money recommen... (2 pages)View decision -
Decision Reference DRN4242606
26 Jun 2014 Barclays Bank Plc UpheldPayment protection insurance (PPI)Mr A’s complaint is that Barclay’s Bank Plc (Barclays) has used part of the redress from a mis-sold PPI policy to reduce the arrears on the loan associated with the PPI policy. Mr A says the total compensation for the mis-sold policy should be paid directly to him.backgroundIn October 2... (3 pages)View decision -
Decision Reference DRN3676781
17 Oct 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs F’s representative complains that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundIn 2005 L&G arranged a remortgage for Mr and Mrs F. The new mortgage was for around £40,000 over nine... (3 pages)View decision -
Decision Reference DRN0316207
28 May 2013 EUI Limited UpheldInsurance (excluding PPI)Mrs L has complained that a debt collection agency is pursuing her for a debt related to her motor insurance policy, which she believed had been resolved in September 2008. backgroundMrs L had been insured with EUI Limited (trading as Diamond) for some years. At her 2008 renewal, sh... (2 pages)View decision -
Decision Reference DRN-3377617
20 Apr 2022 Clarkewood Limited UpheldClaims ManagementDRN-3377617 The complaint Ms R’s complained that Clarkewood Limited have chased her for payment of a success fee in relation to recovering mis-sold payment protection insurance (PPI) – but she doesn’t believe she ever instructed them. What happened In mid-2021, Ms R was being contacted dai... (2 pages)View decision -
Decision Reference DRN6154531
13 Oct 2015 Nationwide Building Society Not upheldBanking and creditMrs E complained because Nationwide Building Society refused her application for a personal loan.backgroundIn September 2014, Mrs E became aware of a large amount of credit card debt which her husband had built up in her name. She consulted a financial advisor, and ... (2 pages)View decision -
Decision Reference DRN4753383
24 Oct 2016 DEBT CORRECT Not upheldBanking and creditMr H complains that Debt Correct Limited mis-sold him a debt management plan (DMP) as it didn’t advise him that he could get free debt advice elsewhere and he’d like a refund of the fees he paid. Mr H is represented by a claims management company - but I’ll refer to... (2 pages)View decision -
Decision Reference DRN-4137126
17 May 2023 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-4137126 The complaint Ms X complains that as a vulnerable customer, she wasn’t treated fairly by Clydesdale Bank Plc trading as Virgin Money (Virgin). What happened Ms X had a credit card from Virgin. The limit was £14,300 and in March 2020, the balance was £12,980.53 debit. M... (6 pages)View decision -
Decision Reference DRN3855738
29 Jan 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs M complain that an authorised representative of Legal & General Partnership Services Limited mis-sold a mortgage to them. They ask for compensation. Mr and Mrs M are represented by a firm of solicitors. background Legal & General recommended an interest... (3 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
