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 71523 results
-
Decision Reference DRN1964220
29 Jul 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that the appointed representative of Legal & General Partnership Services Limited mis-sold them a mortgage that was not suitable for their needs.backgroundMr and Mrs B met with an appointed representative of Legal and General in 2006. At that stage they had... (1 page)View decision -
Decision Reference DRN5240389
18 Sep 2019 The Royal Bank of Scotland Plc Not upheldInvestment and pensionsMr M has complained about a level term assurance (LTA) policy he was required to take out by The Royal Bank of Scotland Plc (“RBS”) in 1997 to cover the maximum allowable advance of £20,000 he could take under an Education Expenses Plan over 20 years.Specifically, Mr M says that he though... (4 pages)View decision -
Decision Reference DRN9356265
31 Mar 2015 Bank of Scotland Plc Not upheldBanking and creditMiss W complains that Bank of Scotland plc (trading as Halifax) is refusing to provide the deed of novation and true certified copies (not photocopies) of the deed of assignment for named accounts after it sold her debts to third party debt collection agencies.back... (1 page)View decision -
Decision Reference DRN-4838232
6 Jun 2024 Topaz Finance Limited UpheldMortgagesDRN-4838232 The complaint Mr M complains that Topaz Finance Limited trading as Hyalite Mortgages is asking him to repay a shortfall debt which remains after the sale of his mortgaged property was used to pay off the rest of the debt. Mr M set out why he doesn’t think Hyalite should ask him... (4 pages)View decision -
Decision Reference DRN-3497901
10 Jun 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3497901 The complaint Miss H has complained that National Westminster Bank Plc (“Nat West”) have refused to remove the default records relating to debts they’ve sold to another company from her credit file – which she thinks makes her credit file inaccurate. What happened In mid-2019, ... (2 pages)View decision -
Decision Reference DRN9858418
28 Jun 2017 Prestige Finance Limited UpheldBanking and creditMr S complains that Prestige Finance Limited have caused incorrect entries to be registered on his credit file and have refused to remove them. He wants us to order Prestige Finance Limited to remove them.backgroundMr S tells us that in 2011 he was declared bankrupt. ... (3 pages)View decision -
Decision Reference DRN4257330
28 Jun 2013 Black Horse Limited Not upheldBanking and creditMs D complains that Black Horse Limited sold her debt from a credit agreement on to a third party, when she was maintaining an agreed repayment plan.backgroundMs D took out a credit agreement with Black Horse (then Lloyds Bowmaker) in 1998. The money was to pay for replacement windows... (2 pages)View decision -
Decision Reference DRN-3825787
7 Dec 2022 Barclays Bank UK PLC Not upheldInsuranceDRN-3825787 The complaint The estate of the late Mr T has complained about the way in which Barclays Bank UK PLC resolved the mis-sale of a payment protection insurance (PPI) policy. Mr H has been representing the estate. What happened Mr T was in an Individual Voluntary Arrangement (IVA).... (3 pages)View decision -
Decision Reference DRN4171897
21 Nov 2013 BCW Group Limited Not upheldBanking and creditMrs D complains that BCW Group Limited is pursuing her for a debt that she has already settled.backgroundMrs D borrowed £400 in October 2007. Mrs D says that she moved house soon after and that, despite contacting the lender several times between 2007 and 2010, heard nothing more from i... (2 pages)View decision -
Decision Reference DRN-2729512
7 May 2021 Barclays Bank UK PLC UpheldConsumer CreditDRN-2729512 The complaint Ms E is unhappy that Barclays Bank UK PLC sold her account to a debt collection agency without informing her. What happened Ms E had a loan with Barclays which she was struggling to repay. Ms E contacted Barclays who took details of her income and expenditure and ... (3 pages)View decision
