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 74386 results
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Decision Reference DRN-3792023
18 Nov 2022 Landmark Mortgages Limited Not upheldMortgagesDRN-3792023 The complaint Mr and Mrs T’s settlement offer for their outstanding loan debt was rejected in 2015 by Landmark Mortgages Limited trading as NRAM. They complain that Landmark secretly decided it would accept a higher offer, which they could’ve afforded, but never told them. What... (3 pages)View decision -
Decision Reference DRN-4319391
16 Oct 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4319391 The complaint Mr C complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave him two loans that he couldn’t afford. What happened On 10 September 2021 Mr C asked for and was given a loan for £5,000 which had a term of 24 months. The purpose of the loan was to ... (3 pages)View decision -
Decision Reference DRN8410043
10 Aug 2017 Southern Pacific Securities 05-2 Plc UpheldBanking and creditMr and Mrs B complain that Southern Pacific Securities 05-2 Plc (“SPS”) wrongly added £1,000 in legal fees to their account.backgroundThe dispute between Mr and Mrs B and SPS goes back many years, and has been subject to two previous decisions from ombudsman colleag... (2 pages)View decision -
Decision Reference DRN7699214
29 Jun 2015 Hillesden Securities Limited Not upheldBanking and creditMr B complains that Hillesden Securities Limited (the business) failed to provide him with the information he requested within the required timeframe and has not provided valid information to show that it has ownership of the debt it is pursuing him for. He says that it ... (2 pages)View decision -
Decision Reference DRN1600569
16 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMrs J complains that she was given poor advice by an authorised representative of Legal & General Partnership Services Limited (L&G) when she re-mortgaged her house in 2005. Mrs J, who is represented by a claims management company (CMC), says this advice means s... (3 pages)View decision -
Decision Reference DRN4393538
4 Jun 2014 Barclays Bank Plc Not upheldBanking and creditMr F complains that Barclays Bank Plc trading as Barclaycard did not stand by its offer to settle his credit card debt. backgroundMr F found himself in financial difficulties and fell into arrears with his credit card. In 2011 he entered into an arrangement with Barclaycard to make small... (1 page)View decision -
Decision Reference DRN9999907
26 Apr 2013 Clydesdale Bank Plc Not upheldBanking and creditMr M complains about charges applied to his current account; that Clydesdale Bank Plc (trading as Yorkshire Bank) added his overdraft to a loan without his knowledge and that this has caused him financial difficulties. backgroundMr M applied for a loan with weekly repayments in July 20... (1 page)View decision -
Decision Reference DRN5035634
12 Feb 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland plc (RBS) put a charge on his property. He doesn’t believe it should have done so as he was in the process of setting up a trust deed at the time. Mr M would like the charge taken off his property.backgroundMr M says i... (3 pages)View decision -
Decision Reference DRN5920050
8 Oct 2019 Kapama Limited UpheldBanking and creditComplaintMr C complains that Kapama Limited unfairly administered his account concerning the amount and validity of the debt.BackgroundMr C took out a loan for £100 with lender M in November 2012. M entered liquidation and Mr C’s debt was sold to Kapama Limited. Mr C’s account balance with... (3 pages)View decision -
Decision Reference DRN-3234510
4 Jan 2022 Sainsbury's Bank Plc UpheldConsumer CreditDRN-3234510 The complaint Mr M complains that Sainsbury's Bank Plc (Sainsbury’s) should have defaulted his personal loan earlier than they did. What happened In July 2018, Mr M took out a personal loan of £15,000 with Sainsbury’s. Monthly repayments were £302.15 over 60 months. The AP... (3 pages)View decision
