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 DRN2955516
11 Jun 2020 TSB Bank plc UpheldBanking and creditMr and Mrs B complain that TSB Bank plc refused their application to port their mortgage product.backgroundMr and Mrs B took out a mortgage with TSB in 2016 for £87,200 on a capital repayment basis with a term of 11 years. They also took out a fixed rate mortgage product for five years wit... (4 pages)View decision -
Decision Reference DRN-4139257
10 Oct 2023 HSBC UK Bank Plc Not upheldMortgagesDRN-4139257 The complaint Mr G’s complaint about HSBC UK Bank Plc (HSBC) relates to its attempts to recover a shortfall balance on his mortgage account following the sale of his property in March 2013. What happened Mr G had a mortgage secured on a property I shall call M Rd. This property... (3 pages)View decision -
Decision Reference DRN-4886788
28 Oct 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4886788 The complaint Mrs O complains that Monzo Bank Ltd unfairly transferred a debt to a collection agency that she says isn’t owed by her. What happened In 2020 Mrs O raised a dispute with Monzo after experiencing difficulties with an automated teller machine (ATM) cash withdrawa... (3 pages)View decision -
Decision Reference DRN4524786
24 Mar 2020 Sainsbury's Bank Plc Not upheldBanking and creditMrs B has complained that Sainsbury’s Bank Plc (‘the bank’) has wrongly refused her claim under section 75 Consumer Credit Act 1974. backgroundMrs B says she had no choice but to use her Sainsbury credit card to pay around £4,000 to a company that claimed to be collecting, from her husband... (2 pages)View decision -
Decision Reference DRN6128061
19 Dec 2013 Barrington Lewis Limited UpheldBanking and creditMr H complains that Barrington Lewis Limited failed to distribute his payments to his creditors as agreed.backgroundIt appears Mr H entered into a combined claims management and debt management agreement with Bankfair Limited at the beginning of 2010. A full copy of the signed agreement... (4 pages)View decision -
Decision Reference DRN-3616677
29 Jul 2022 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-3616677 The complaint Miss P complains about the two credit limit increases made on her credit card account by Tesco Personal Finance PLC trading as Tesco Bank. She said neither of these increases was affordable for her, and she wanted Tesco to repay the interest she had been charged. ... (5 pages)View decision -
Decision Reference DRN-3699575
23 Sep 2022 Mortgage Express Not upheldMortgagesDRN-3699575 The complaint Mr H complains that Mortgage Express is unfairly pursuing him for repayment of a mortgage shortfall resulting from its sale of his property in 2009. What happened In 2007, Mr H took a buy to let remortgage with Mortgage Express for approximately £93,500 plus fees.... (4 pages)View decision -
Decision Reference DRN8260338
15 Nov 2016 Debt Release Direct Limited Not upheldBanking and creditMiss R, represented by a claims management company (CMC), complains that Debt Release Direct Limited did not inform her about the free debt services available when it took over her debt management plan (DMP).backgroundMiss R entered into a DMP which was transferred t... (3 pages)View decision -
Decision Reference DRN6237679
30 Sep 2013 Santander Cards UK Limited Not upheldBanking and creditMr R complains that Santander Cards UK Limited passed his account to another company without telling him. He says that a member of his family paid off the debt, although he is still being asked to repay it, and that it has also increased significantly. Mr R wants Santander to reduce the ... (2 pages)View decision -
Decision Reference DRN3771218
28 Feb 2017 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMiss F complains that she wasn’t provided with satisfactory information about her debtmanagement plan (“DMP”), which was sold to her by a third party (“T”). The DMP was thenpassed to Harrington Brooks (Accountants) Limited, trading as Harrington Brooks DebtManagement, (... (3 pages)View decision
