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 70772 results
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Decision Reference DRN6083560
8 Oct 2013 Bank of Scotland Plc Not upheldBanking and creditMr and Mrs J complain that Bank of Scotland plc (Halifax) mis-sold them a further advance on their mortgage of around £15,000 in 2009. They complain that they were unaware of the amount of the loan and that it was unsuitable for them to change unsecured lending into lending secured... (5 pages)View decision -
Decision Reference DRN-3572403
25 Jul 2022 Lowell Financial Ltd Not upheldBanking and PaymentsDRN-3572403 The complaint Mr B complains that Lowell Financial Ltd (Lowell) is unfairly seeking to collect debts from him What happened Lowell has three accounts in Mr B’s name. Lowell said it purchased a credit card from the original lender (C) in February 2016 and sent Mr B a notice of a... (2 pages)View decision -
Decision Reference DRN-4487105
2 Feb 2024 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4487105 The complaint Mr H complains that Lloyds Bank PLC (Lloyds) lent to him irresponsibly. What happened In October 2001, Lloyds agreed to provide a credit card to Mr H. The limit was said (by Mr H) to be £6,000. In 2006, Mr H entered a Debt Management Plan (DMP). In August 2012, Ll... (3 pages)View decision -
Decision Reference DRN5317513
22 Jul 2019 Leeds Building Society Not upheldBanking and creditMr and Mrs P complain about the actions of their mortgage lender, Leeds Building Society (LBS). They’re unhappy that LBS recalculated their monthly mortgage repayment, and included an additional sum to repay previous arrears, fees and costs without them agreeing to this. Mr and Mrs P have ... (4 pages)View decision -
Decision Reference DRN2948313
30 Nov 2017 BW Legal Services Limited Not upheldBanking and creditMr R complains that BW Legal Services Limited phoned him at work about his son’s debt, that the caller misrepresented that she was a solicitor and that it disclosed his son’s confidential account information to him.backgroundBW Legal Services is a regulated debt colle... (2 pages)View decision -
Decision Reference DRN-2832291
23 Aug 2021 Nationwide Building Society Not upheldMortgagesDRN-2832291 The complaint Mr and Mrs B’s complaint is about additional borrowing they applied for on their mortgage with Nationwide Building Society. They are unhappy that whilst the decision in principle was an accept, Nationwide later declined the application, leaving them in a difficult... (4 pages)View decision -
Decision Reference DRN5423064
3 May 2013 Barclays Bank Plc Not upheldBanking and creditMr G complains that Barclays Bank Plc (“Barclays”) chased him to repay a debt he did not owe, causing him significant distress and inconvenience. Mr G asks that Barclays stops chasing him for the debt, corrects any negative information on his credit reference files and pays compen... (2 pages)View decision -
Decision Reference DRN-2501945
19 Nov 2021 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-2501945 The complaint Miss B complains about the steps AvantCredit of UK, LLC has taken in redressing her for a loan it shouldn’t have lent to her. What happened Miss B complained to Avantcredit about two high cost credit loans it sold to her. AvantCredit upheld her complaint about the... (2 pages)View decision -
Decision Reference DRN0655798
4 Jul 2014 Hillesden Securities Limited Not upheldBanking and creditMs T complains that Hillesden Securities Limited (trading as Direct Legal & Collections) has not given her enough information to show that it purchased her loan.our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He considered that t... (2 pages)View decision -
Decision Reference DRN0933438
29 Oct 2013 National Westminster Bank Plc Not upheldBanking and creditMr L complains that National Westminster Bank Plc acted irresponsibly when it granted him successive loans and that it has acted unfairly.backgroundMr L took out six loans with National Westminster in a three year period – the last three of which were taken out in quick succession in a f... (2 pages)View decision
