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 76853 results
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Decision Reference DRN-5953208
17 Nov 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5953208 The complaint X complains Cabot Credit Management Group Limited (“Cabot”): • Have failed to understand the impact of a promissory note sent to the original lender • Haven’t proven lawful assignment of the debt • Haven’t provided a copy of the credit agreement and statements ... (6 pages)View decision -
Decision Reference DRN9526223
3 Apr 2014 Nationwide Building Society Not upheldBanking and creditMr J complains that Nationwide Building Society has not renewed a repayment plan and intends to secure a debt on his property.backgroundMr J had a credit card account with Nationwide. When he became ill and unable to work, he ran into financial difficulties, so a reduced payment plan w... (2 pages)View decision -
Decision Reference DRN9909759
30 Jan 2014 National Westminster Bank Plc Not upheldBanking and creditMrs L complains that National Westminster Bank Plc unfairly holds her solely liable for the overdraft debt on a business account and delayed providing her with information from its records.background Mrs L opened the business account with NatWest some years ago. She explains that the a... (2 pages)View decision -
Decision Reference DRN0456656
6 Jan 2016 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B through their representative MF complain that Legal & General Partnership Services Limited mis-sold them their mortgage and gave poor advice about debt consolidation. They want compensation.backgroundIn my provisional decision I set out why I didn’t intend ... (2 pages)View decision -
Decision Reference DRN5415398
19 Sep 2019 Legal & General Partnership Services Limited Not upheldBanking and creditAn appointed representative of Legal & General Partnership Services Limited (L&G) made a recommendation to Mr and Mrs P for a remortgage. They also consolidated a credit card debt and three loans into the new mortgage. They complain through their solicitors that the advice was unsu... (3 pages)View decision -
Decision Reference DRN9337235
20 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMiss Y complains that NEO Media Solutions Limited (trading as One Debt Solution): misled her as to how quickly her debts would be cleared; did not clearly explain what it would charge for its services, or when these charges would be taken; and did not pass payments she made to i... (2 pages)View decision -
Decision Reference DRN6655425
18 Nov 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs C complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).background Mr and Mrs C, acting on a recommendation from L&G, re-mortgaged. In doing so, they changed lender, incurred an early rep... (2 pages)View decision -
Decision Reference DRN6797780
21 Nov 2014 Microcredit Limited UpheldBanking and creditMr U has complained that Microcredit Limited, trading as MiniCredit.co.uk has applied excessive charges to a loan of £220 he took out in November 2012. backgroundMr U borrowed £220 from MiniCredit in November 2012. The total amount repayable was £283.80 within 30 days. Mr U entered into... (2 pages)View decision -
Decision Reference DRN4423815
28 Jun 2013 Bournes Limited UpheldBanking and creditMiss B complains about Bournes Limited’s, (trading as Bournes Debt Solutions) handling of her debt management plan. She has been making her payment to it regularly each month, but only a small amount of that has been used to repay her creditors.backgroundMiss B asked Bournes for help t... (2 pages)View decision -
Decision Reference DRN6701114
11 Jan 2018 J D Williams & Company Limited UpheldBanking and creditMr O complains that J D Williams & Company Limited are chasing him for a debt which he says doesn’t belong to him as he didn’t open the account. He wants the debt removed from his credit file. backgroundMr O complained to this Service. He said he was first told a... (2 pages)View decision