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
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Decision Reference DRN4077996
4 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr D and Ms E complain that the mortgage recommended to them by Legal & General Partnership Services Limited (L&G) was unsuitable.backgroundMr D and Ms E received advice on a re-mortgage in 2005 from a representative of L&G and this included a recommendation to consolidate ... (2 pages)View decision -
Decision Reference DRN5713231
27 Jan 2020 Gain Credit LLC Not upheldBanking and creditMr C says Gain Credit LLC, trading as Lending Stream, didn’t notify him it had assigned a debt to a third party. He says this matter caused him stress because he had to deal with the third party without prior knowledge of their involvement.backgroundMr C took out a loan with Lending Stream... (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 -
Decision Reference DRN6635437
19 Oct 2016 House & Home Care Limited Not upheldBanking and creditMr F complains that House and Home Care Limited (trading as Immediate Financial) mis- sold him a debt management plan (DMP). Mr F brings his complaint with the assistance of a claims management company. For simplicity’s sake I’ll refer to any submissions made on his ... (2 pages)View decision -
Decision Reference DRN6586740
26 Jul 2013 Bank of Scotland Plc Not upheldBanking and creditMrs B complains that she has incurred debt due to irresponsible lending and granting of unsolicited credit by Bank of Scotland plc (trading as Halifax). Mrs B says that the charges and interest applied by Halifax were unfair. Mrs B asks that the debt is written off.backgroundMrs B says... (2 pages)View decision -
Decision Reference DRN-5024638
3 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5024638 The complaint Mr G complains that National Westminster Bank Plc led him to believe that his debts had been consolidated into one account, when they had not been, and that as a result he unexpectedly still owes a substantial debt. What happened Mr G had a mortgage, a personal... (3 pages)View decision -
Decision Reference DRN-1529127
16 Sep 2020 PRA Group (UK) Limited Not upheldConsumer CreditDRN-1529127The complaintMr M disputes a debt with PRA Group (UK) Limited and feels it has treated him unfairly.What happenedPRA says it bought this debt (relating to a credit agreement) from a credit card company in February 2012 and that it is for Mr M to repay. It says after it bought th... (2 pages)View decision -
Decision Reference DRN9792572
1 Mar 2016 Bank of Scotland Plc Not upheldBanking and creditMiss A complains Bank of Scotland plc trading as Halifax (Halifax) won’t let her pay money into a closed account with an outstanding overdraft. She’s unhappy her payments were either put into a new account or lost. She’s also tried to change her name from Mrs B to M... (3 pages)View decision -
Decision Reference DRN7958800
30 Sep 2016 Butler-Do Ltd Not upheldBanking and creditMs R and her representative are unhappy about the advice she was given by Butler-Do Ltd to enter into a debt management plan. They say it was mis-sold to her and wasn’t the appropriate solution for her situation. She wasn’t told of other free similar services. She... (2 pages)View decision -
Decision Reference DRN5589444
29 Sep 2016 Debt Advisory Line Limited UpheldBanking and creditMr W, represented by a claims management company (CMC), says that the debt management plan (DMP) set up for him by Debt Advisory Line Limited (DAL) was mis-sold. backgroundMr W says that he was mis-sold the DMP and an IVA should have been proposed.The CMC says that Mr... (2 pages)View decision
