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 74313 results
-
Decision Reference DRN8906244
27 Feb 2015 Aviva Insurance Limited Not upheldInsurance (excluding PPI)Mr T complains about Aviva Insurance Limited’s decision to decline his claim for legal assistance on his business policy.All references to Aviva Insurance Limited include reference to its claims-handling agents.backgroundIn 2009 Mr T took out a policy covering his business underwritten ... (3 pages)View decision -
Decision Reference DRN-2963236
18 Oct 2021 TFS Loans Limited UpheldConsumer CreditDRN-2963236 The complaint Mr S and Mrs S complained that TFS Loans Limited lent to them irresponsibly and provided them with a loan that was unaffordable. What happened Mr S and Mrs S were given a loan by TFS as follows: Date taken Loan status Number of monthly instalments Loan amount Mont... (5 pages)View decision -
Decision Reference DRN8244631
19 Sep 2013 MBNA Limited Not upheldBanking and creditMr N complains that his credit record is being unfairly affected by an arrangement plan that he set up six years ago. He says he would have been better off if he had defaulted on his debt, as the default would by now, have been deleted from his records. He wants MBNA Limited to remove r... (2 pages)View decision -
Decision Reference DRN6208220
24 Sep 2013 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr A complains that Moorcroft Debt Recovery Limited should not have attempted to collect an outstanding debt from him when he was in dispute with the credit provider. Mr A also says that Moorcroft should not have carried out a search on his credit file, as this has affected his abil... (2 pages)View decision -
Decision Reference DRN5953551
17 Aug 2015 OPOS Limited Not upheldBanking and creditMs C has complained about two loans she took out. She says the loans were unaffordable. The loans were made by another business and then sold on to OPOS Limited.backgroundThe background is set out in my provisional decision which is attached below and forms part of t... (3 pages)View decision -
Decision Reference DRN2786630
31 Mar 2014 Bank of Scotland Plc Not upheldBanking and creditMr J complains that Bank of Scotland plc is unfairly asking him to pay a debt that should have been cleared by an insurance policy he held. Mr J wants the bank to cancel the debt and for the bank to apologise and refund his costs.backgroundMr J had a loan with the bank and took out a l... (2 pages)View decision -
Decision Reference DRN3393805
19 Feb 2020 Lloyds Bank PLC UpheldBanking and creditMr C complains that Lloyds Bank Plc offset a refund against a debt that he says he’s alreadypaid off rather than paying the refund to him directly. Mr C is also unhappy thatLloyds Bank Plc haven’t explained to him why they believe they are legally entitled to keephis refund.backgroundMr C ... (5 pages)View decision -
Decision Reference DRN-2527880
14 Apr 2021 Oplo HL Ltd Not upheldMortgagesDRN-2527880 The complaint Mr and Mrs I complain that OPLO HL Ltd trading as 1st Stop Secured Loans sold them a product with too high an interest rate and they didn’t understand the implications of that. The lender didn’t properly consider their expenditure including childcare costs. What ... (2 pages)View decision -
Decision Reference DRN-3673985
23 Sep 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3673985 The complaint Miss B complains about Cabot Credit Management Group Limited’s actions when trying to collect a statue barred debt. What happened Cabot acquired a mail order debt in Miss B’s name in 2012. Cabot says its agents were instructed to collect the debt on its behalf and... (2 pages)View decision -
Decision Reference DRN5539105
1 Aug 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs S complain that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).background Mr and Mrs S took advice on a re-mortgage from L&G. They switched lender and took out a ten year fixed rate. They also... (3 pages)View decision
