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 DRN2955516
11 Jun 2020 TSB Bank plc UpheldBanking and creditMr and Mrs B complain that TSB Bank plc refused their application to port their mortgage product.backgroundMr and Mrs B took out a mortgage with TSB in 2016 for £87,200 on a capital repayment basis with a term of 11 years. They also took out a fixed rate mortgage product for five years wit... (4 pages)View decision -
Decision Reference DRN8628429
31 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr D is unhappy that Lloyds TSB Bank Plc contacted a third party debt collector and disclosed information about him. He complains that Lloyds TSB provided this information after obtaining it incorrectly. background Mr D is unhappy that a debt collector contacted a third party and gave the... (1 page)View decision -
Decision Reference DRN2384614
9 Jan 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr A complains that The Royal Bank of Scotland Plc (“RBS”):-Failed to update his address and then sent a replacement credit card to his old address.- Failed to return his calls or respond to his requests for telephone call transcripts in a reasonable amount of time.-Unfairly pursued hi... (3 pages)View decision -
Decision Reference DRN6810062
27 Feb 2014 Lowell Portfolio I Ltd Not upheldBanking and creditMrs E complains that Lowell Portfolio I Ltd has pursued her for a debt which she does not owe. backgroundLowell Portfolio acquired the disputed debt from a third party lender. It pursued Mrs E for repayment of the debt. Its recovery action included an application for a bankruptcy petit... (1 page)View decision -
Decision Reference DRN7235221
11 Sep 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs W complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Ltd (“L&G”).backgroundIn 2008 Mr and Mrs W were given advice about re-mortgaging by L&G’s representative.They wanted to reduce ... (5 pages)View decision -
Decision Reference DRN-6107363
27 Jan 2026 HL Partnership Limited Not upheldMortgagesDRN-6107363 The complaint Mr P and Miss S have complained that they were given unsuitable mortgage advice by a representative of H L Partnership Limited trading as HLPartnership, and referred to here as HLP. To settle the complaint, Mr P and Miss S would like HLP to compensate them for... (4 pages)View decision -
Decision Reference DRN-2379201
12 Jan 2021 Arrow Global Limited Not upheldConsumer CreditDRN-2379201 The complaint Mr F complains that Arrow Global Limited obtained a County Court judgment (CCJ) against him despite the debt being subject of a Debt Management Plan (DMP). He wants the judgment to be set aside and compensation. What happened Mr F tells us that he entered into an ... (3 pages)View decision -
Decision Reference DRN-4395632
12 Oct 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4395632 The complaint Mrs M complains that Tesco Personal Finance PLC (Tesco Bank) was irresponsible in its lending to her. What happened Mrs M was provided with two loans by Tesco Bank. The first loan was provided in 2015 and a further loan was provided in August 2018. Based on the ti... (4 pages)View decision -
Decision Reference DRN9376459
29 Oct 2013 Clydesdale Bank Plc Not upheldBanking and creditMr and Mrs B complain on behalf of their limited company, C, and also as individuals who provided their personal guarantees and home as security for borrowing by C. They complain that Clydesdale Bank Plc (trading as Yorkshire Bank) has created a situation in which their personal lia... (3 pages)View decision -
Decision Reference DRN3286366
17 Apr 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMiss P complains that AvantCredit of UK, LLC was irresponsible in lending her money.backgroundIn March 2016 Miss P took out a loan with Avant of some £3,000 over three years with monthly payments of £164.16. She had a monthly income of £1,640 and outgoings of £8... (2 pages)View decision