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 70502 results
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Decision Reference DRN4540038
31 Jan 2017 Santander UK Plc Not upheldBanking and creditMr A complains that Santander UK Plc entered his debts into a debt management plan without his consent.backgroundIn January 2009 Mr A’s late wife signed a form authorising her creditors to disclose to a debt management company any information that company required. T... (2 pages)View decision -
Decision Reference DRN8483077
11 May 2020 Santander UK Plc UpheldBanking and creditMr Z has complained Santander UK plc is holding him liable for the expenditure on credit cards he didn’t apply for in 2016 and 2017.backgroundAfter applying for a loan with his bank, Mr Z was told his credit record showed a number of loans and credit cards. He’d never applied for these. Th... (3 pages)View decision -
Decision Reference DRN0551622
10 Aug 2018 Tesco Personal Finance PLC Not upheldPayment protection insurance (PPI)Mr K has complained about the compensation he’s been offered by Tesco Personal Finance PLC (‘Tesco’) for the payment protection insurance (‘PPI’) policy that was sold to him on his credit card account. backgroundMr K was sold a PPI policy on his credit card account... (3 pages)View decision -
Decision Reference DRN2317587
3 Feb 2016 Legal & General Partnership Services Limited UpheldBanking and creditThis complaint is about a mortgage arranged for Mr S and Miss B by an adviser connected with Legal & General Partnership Services Limited (L&G).Mr S and Miss B say they weren’t properly advised. In particular, they feel that in their situation debt consolidati... (3 pages)View decision -
Decision Reference DRN0975428
14 Aug 2015 MKDP LLP UpheldBanking and creditMr O complains that MKDP LLP is asking him to pay a debt that he thinks is statute barred. Further, he says the debt is also unenforceable.Mr O questions the authenticity of some of the key documents. He suggests that MKDP was wrong to rely on them.As a result of all... (3 pages)View decision -
Decision Reference DRN-3949728
9 May 2023 Link Financial Outsourcing Limited UpheldBanking and PaymentsDRN-3949728 The complaint Mrs J complains that Link Financial Outsourcing Limited trading as Link Financial did not write off her debt due to her medical issues and took too long to notify her of this. What happened Mrs J and her husband Mr J, though this decision will focus on Mrs J’s acc... (3 pages)View decision -
Decision Reference DRN1105478
20 Nov 2013 Northern Debt Recovery Limited UpheldBanking and creditMiss T complains that Northern Debt Recovery Limited debited her account without her authority, and after she had told it that she was in financial difficulty.backgroundMiss T took out a short-term loan for £300 in 2011. When the loan was not fully repaid on time, Miss T agreed to a rep... (2 pages)View decision -
Decision Reference DRN3285282
15 Feb 2017 Brunswick Homeloans Not upheldBanking and creditMr M complains that the mortgage and debt consolidation recommended by Brunswick Homeloans was unsuitable and unaffordable. Mr M asks for compensation.backgroundIn early 2011 Mr M took out a mortgage for £111,000 with a 14 year term. The mortgage was recommended by Br... (4 pages)View decision -
Decision Reference DRN5493569
14 Aug 2015 The Funding Corporation Limited UpheldPayment protection insurance (PPI)Mrs B has complained about the way The Funding Corporation Limited (“TFC”) has used the compensation it agreed to pay her following a complaint about the sale of a payment protection insurance (“PPI”) policy.backgroundMrs B took out a loan for £10,000 in 2005 and she to... (3 pages)View decision -
Decision Reference DRN3652974
19 Aug 2016 Blue Finance Management Limited UpheldBanking and creditMr H and Mrs S complain about Blue Finance Management Limited, trading as Debt Plan Direct. They say Debt Plan Direct:-didn’t tell them about free debt management services;- misled them about the fees they’d have to pay;- didn’t handle the payments they made to it c... (2 pages)View decision
