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 69825 results
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Decision Reference DRN8333485
10 Sep 2018 Clydesdale Bank Plc Not upheldBanking and creditMr H complains on behalf of C, a limited company, that Clydesdale Bank Plc sold its debt onto a business (P) that isn’t regulated by the Financial Conduct Authority (“FCA”). He alsocomplains that the debt (the outstanding balance from C’s tailored business loan (TBL... (7 pages)View decision -
Decision Reference DRN8402021
3 Apr 2017 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs A through their representative M complain that the appointed representative of Legal & General Partnership Services Limited, W, mis-sold them a mortgage in 2008. They want compensation.backgroundMr and Mrs A took advice from W in 2008 about remortgaging th... (2 pages)View decision -
Decision Reference DRN1051311
13 Mar 2020 House & Home Care Limited UpheldBanking and creditComplaintMiss B and Mr P complain that House & Home Care Limited (HHC) misled them when they entered into a debt settlement agreement. They’re unhappy with the fees, and that the agreement hasn’t paid off all the debts in five years as it said it would.BackgroundIn May 2009 Miss B and ... (3 pages)View decision -
Decision Reference DRN5245176
31 Dec 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs G complain that they were mis-sold a re-mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundMr and Mrs G made a re-mortgage application with L&G. L&G recommended a repayment mortgage over a 16 ... (2 pages)View decision -
Decision Reference DRN-2301807
12 Mar 2021 St. James's Place Wealth Management Plc Not upheldMortgagesDRN-2301807 The complaint Mrs S complains that the mortgage recommended by St. James's Place Wealth Management Plc wasn’t suitable for her needs. What happened Mrs S sought advice from St. James in 2017. She had an existing mortgage of about £92,000 and unsecured debts of about £66,00... (4 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 DRN1697922
28 Nov 2018 Santander UK Plc Not upheldBanking and creditMiss D complains that Santander UK Plc lent her money she couldn’t pay back. Miss D has been supported in her complaint by her father, Mr D. background Mr D said that Santander had allowed Miss D to run up credit card debt of £6,000. He said that Santander had kept... (3 pages)View decision -
Decision Reference DRN5060953
11 Oct 2016 1st Credit Limited UpheldBanking and creditMiss E complains that 1st Credit Limited wrongly told the business managing her debt management plan that the debt she owed had been cleared. Around six months later she received letters from another debt collection company telling her she still owed more than £1,000.bac... (2 pages)View decision -
Decision Reference DRN3363051
23 Jul 2015 Lloyds Bank PLC Not upheldBanking and creditMr P complains that Lloyds Bank plc has passed a business debt to a debt collection agency without telling him. He is concerned because he has not heard of the agents that are now dealing with the debt.backgroundMr P had a business account with the bank where there are... (2 pages)View decision -
Decision Reference DRN6600270
14 Dec 2015 Harrington Brooks (Accountants) Limited UpheldBanking and creditMs M complains that Harrington Brooks (Accountants) Limited (Harrington Brooks) mismanaged her debt management plan (DMP). She said it did not properly make payments to one of her creditors (creditor A). backgroundMs M said that she entered the DMP in January 2013. Paym... (2 pages)View decision
