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 71155 results
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Decision Reference DRN7352490
21 Feb 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs J complain, via their representatives, that their interest-only mortgage with AWD Home Finance Limited (AWD), represented by Legal & General Partnership Services Limited (L&G), was unsuitable and lost them the opportunity to make an arrangement with their unsecured c... (3 pages)View decision -
Decision Reference DRN-4460468
6 Mar 2024 Progressive Money Limited UpheldConsumer CreditDRN-4460468 The complaint Mrs J is complaining that Progressive Money Limited (PML) lent to her irresponsibly by providing her with a personal loan. What happened In April 2018, Mrs J applied for a loan with PML to consolidate her debts. They lent her £5,000 over a three-month term. The lo... (4 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 DRN2998881
13 Nov 2015 Shop Direct Finance Company Limited UpheldBanking and creditMr W complains that Shop Direct Finance Company Limited (the business) did not update his credit file after he paid off his debt. He says this has resulted in him being refused credit.backgroundMr W had an account with the business that feel into arrears. The acc... (2 pages)View decision -
Decision Reference DRN7834906
27 Jan 2015 Bank of Scotland Plc UpheldBanking and creditMr E complains that Bank of Scotland plc (trading as Capital Bank) (“Capital Bank”), passed on a debt to a third party for collection that he did not owe. This has affected his credit rating and he wants compensation.backgroundMr E has been pursued for 5 years for a debt he doesn’t ow... (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 DRN9828461
3 Mar 2015 Liverpool Victoria Friendly Society Limited Not upheldPayment protection insurance (PPI)Miss J’s complaint is about the compensation offered by Liverpool Victoria Friendly Society Limited (Liverpool Victoria) to settle her complaint related to a mis-sold payment protection insurance (PPI) policy.backgroundThe background to this complaint can be found in my provisional deci... (3 pages)View decision -
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 DRN4535412
17 May 2018 Gain Credit LLC UpheldBanking and creditMr H complains that Gain Credit LLC, trading as Lending Stream, gave him loans he couldn’t afford to repay.backgroundMr H took out the following instalment loans with Lending Stream:date£ amount borroweddate repaid11 December 20111352 February 2012230 December 20112658 Febru... (3 pages)View decision -
Decision Reference DRN2314955
15 Jul 2015 MBNA Limited Not upheldBanking and creditMr B complains that MBNA Limited (“MBNA”) is holding him responsible for the balance due on a credit card he didn’t apply for.backgroundIn August 2005 MBNA approved a card application in Mr B’s name. It transpired that Mr B himself hadn’t made the application, but hi... (2 pages)View decision
