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 71923 results
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Decision Reference DRN3653866
29 Mar 2017 MBNA Limited Not upheldBanking and creditMr T complains that MBNA Limited has not treated him fairly, in that it sold his debt to a third party earlier than he had expected, and without telling him, as it had said it would do. He would like MBNA to buy the debt back from the third party and allow him to... (2 pages)View decision -
Decision Reference DRN-5213622
16 Dec 2024 HARBOUR ROCK CAPITAL LIMITED UpheldPensions and AnnuitiesDRN-5213622 The complaint Mr B has complained about the high fees charged for the advice he was given to transfer his pensions by HARBOUR ROCK CAPITAL LIMITED trading as Portafina. What happened I issued my provisional decision on this complaint on 29 November 2024. The background and ... (7 pages)View decision -
Decision Reference DRN-4819247
24 Oct 2024 Tandem Home Loans Ltd Not upheldMortgagesDRN-4819247 The complaint Miss B complains about a secured loan provided to her by Tandem Home Loans Ltd trading as Oplo. She says it was irresponsible of Oplo to provide this loan to her as she was vulnerable, and it wasn’t affordable. What happened Miss B applied for a secured loan wi... (3 pages)View decision -
Decision Reference DRN6514249
13 Feb 2014 Lloyds Bank PLC Not upheldBanking and creditMs D complains that Lloyds Bank PLC is wrongly holding her liable for a debt incurred by her ex-partner. She says she has never been his business partner and did not know she had signed an agreement to be jointly and severally liable for any debts he raised. She would like to be released... (2 pages)View decision -
Decision Reference DRN5628612
7 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr B and Miss C complain they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundMiss C had a variable rate mortgage. At L & G’s recommendation she remortgaged with another lender. In doing so she added ... (2 pages)View decision -
Decision Reference DRN9756634
28 Nov 2018 T.B.I. Financial Services Ltd. Not upheldBanking and creditMs M through her solicitor R complains that T.B.I Financial Services Ltd (“TBI”) has acted unfairly and unreasonably by asking her to pay the shortfall debt from her mortgage. She wants the debt written off and compensation.backgroundMs M took out a mortgage with TBI.... (2 pages)View decision -
Decision Reference DRN9739296
29 Apr 2019 Barclays Bank UK PLC Not upheldBanking and creditMr and Mrs B complain that Barclays Bank UK PLC charged for an unauthorised overdraft after they repaid their mortgage. backgroundMr and Mrs B wanted to repay their mortgage and asked Barclays for a redemption statement. Mr and Mrs B repaid the mortgage in early July... (2 pages)View decision -
Decision Reference DRN-5211293
17 Jan 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5211293 The complaint Mr R complains that Creation Consumer Finance Ltd (Creation) did not mark his account as defaulted. What happened Mr R had a debt with Creation (and other lenders). He entered a Scottish Debt Arrangement Scheme (DAS) in January 2020. The debt due to Creation wa... (3 pages)View decision -
Decision Reference DRN-3584278
7 Jul 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3584278 The complaint Mr W complains that Madison CF UK Limited (“118 118 Money”) lent to him in an irresponsible manner. What happened Mr W was given 3 loans by 118 118 Money. He borrowed £2,250 in February 2016 and agreed to repay this over 24 months. He refinanced that loan in March... (4 pages)View decision -
Decision Reference DRN1690383
24 Jul 2014 National Westminster Bank Plc Not upheldBanking and creditMiss F complained because National Westminster Bank Plc (NatWest) transferred £823 from her ISA account to her credit card without asking her first. She wanted the money back and some compensation. She said that she didn’t receive a letter from the bank about the transfer, or a reply to... (2 pages)View decision
