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 DRN1963142
24 Jan 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMiss B complains that Harrington Brooks (Accountants) Limited (“HB”) gave her unsuitable and misleading advice when entering into a debt management plan.A claims management company is representing Miss B in bringing her complaint. But for ease of reading, I’ll refer to ... (2 pages)View decision -
Decision Reference DRN1144919
23 Jan 2015 HSBC Bank plc Not upheldBanking and creditMr E complains that HSBC Bank Plc did not notify him that it had removed his overdraft facility and that it recorded a default on his credit file which it has not removed despite him clearing his debt. backgroundMr E had a current account with a small overdraft limit. He did not make re... (2 pages)View decision -
Decision Reference DRN-3797657
21 Dec 2022 Oplo HL Ltd UpheldMortgagesDRN-3797657 The complaint Mr M complains that Oplo HL Ltd (“Oplo”) lent to him irresponsibly as he experienced financial difficulties during the repayment of the four loans he took out. What happened Mr M says that he purchased a property to renovate in 2016 and many unforeseen problems ar... (22 pages)View decision -
Decision Reference DRN6011440
3 Apr 2014 Cheltenham & Gloucester plc Not upheldBanking and creditMr T complains – through his representative – that Cheltenham & Gloucester Plc (‘C & G’) mis-sold his mortgage.backgroundIn March 2003 Mr T (aged 48) took out a repayment mortgage from C & G for £65,000 over 15 years. The initial monthly payment was £488. The purpose o... (2 pages)View decision -
Decision Reference DRN9025530
19 Aug 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss W complains that Foundation for Credit Counselling, trading as Stepchange, advised her about her debts but didn’t recommend bankruptcy which would’ve been the most suitable outcome for her. She is being helped with her complaint by a representative.backgroundMiss ... (2 pages)View decision -
Decision Reference DRN7701291
29 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMiss S complains through her adviser that Legal & General Partnership Services Limited gave her unsuitable advice to remortgage and consolidate her debts.backgroundMiss S had a mortgage but was advised by Legal & General to remortgage and consolidate her debts.... (2 pages)View decision -
Decision Reference DRN4831841
14 Feb 2019 Paragon Finance Plc Not upheldBanking and creditMs O is unhappy because Paragon Finance PLC continues to pursue her for payment of an outstanding debt.Although Ms O is represented in this matter by a third party, for simplicity I will just refer to Ms O.backgroundMs O had a credit card with a bank. Paragon later b... (2 pages)View decision -
Decision Reference DRN5162724
27 Dec 2018 HSBC UK Bank Plc Not upheldBanking and creditMr L has complained that HSBC Bank Plc told him a debt he owed it had been written off but then sold the debt to a third party.backgroundAt the beginning of 2013 Mr L had a current account and a loan with HSBC. It wanted him to repay an outstanding overdraft on... (2 pages)View decision -
Decision Reference DRN9057095
16 Jan 2014 HSBC Bank plc Not upheldBanking and creditMrs H complains that HSBC Bank Plc allowed a third party to open a loan account fraudulently in her name.backgroundThe disputed loan was granted in 2002, for almost £7,000. Mrs H says that she did not apply for the loan, though she believes she knows who did but has no firm evidence a... (2 pages)View decision -
Decision Reference DRN2098819
12 Aug 2015 Capital One (Europe) plc Not upheldPayment protection insurance (PPI)Ms K’s complaint was that she was mis-sold a payment protection insurance policy (PPI) with a credit card with Capital One (Europe) Plc (Capital One).backgroundCapital One agreed that the PPI had been mis-sold to Ms K and agreed to pay her compensation.Capital One off... (2 pages)View decision
