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 77095 results
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Decision Reference DRN-2115239
4 Sep 2020 Bank of Scotland Plc UpheldMortgagesDRN-2115239The complaintMr S complains that Bank of Scotland plc (trading as Halifax) has been pursuing him for an incorrect amount through a debt recovery company, following the sale of his property that left him with a shortfall. What happenedMr S owned a property mortgaged through Halif... (3 pages)View decision -
Decision Reference DRN0333870
15 Jun 2016 Santander UK Plc UpheldBanking and creditMr L complains that Santander UK Plc has not treated him fairly in that it gave him incorrect information about how to deal with a debt on a joint account which he held with his ex-wife. This led to the account remaining outside its limits and a default being appl... (2 pages)View decision -
Decision Reference DRN7358131
4 Sep 2015 Link Financial Outsourcing Limited Not upheldBanking and creditMr S complains that Link Financial Outsourcing Limited pursued him for a debt it wrongly said he owed, wrongly recorded a default on his credit reference file and did not deal with him properly. He says Link should compensate him for extra mortgage costs, inconv... (2 pages)View decision -
Decision Reference DRN-2887857
28 Jun 2021 The Co-operative Bank Plc UpheldMortgagesDRN-2887857 The complaint Mrs R complains that The Co-operative Bank Plc (trading as Platform) wrongly pursued her for a shortfall debt after her property was sold, and put incorrect entries on her credit file. She’d like it to acknowledge it can’t pursue her for the shortfall debt and cor... (3 pages)View decision -
Decision Reference DRN-2897756
23 Aug 2021 TSB Bank plc Not upheldMortgagesDRN-2897756 The complaint This complaint is about. Miss Y’s mortgage with TSB Bank plc. Miss Y is unhappy that TSB won’t consolidate her unsecured debt into the mortgage over an extended term. What happened The details of this complaint are well known to both parties so I won’t repeat them... (3 pages)View decision -
Decision Reference DRN4226139
29 Sep 2020 Legal & General Partnership Services Limited Not upheldBanking and creditMr W and Ms T complain about mortgage advice given by an appointed representative of Legal & General Partnership Services Limited.backgroundIn 2005, Mr W and Ms T took advice from L&G about re-mortgaging. Acting on L&G’s recommendation, they moved to a new lender, fixing their ... (2 pages)View decision -
Decision Reference DRN3945314
6 Oct 2017 The Royal Bank of Scotland Plc Not upheldBanking and creditThe estate of Mr H has complained that The Royal Bank of Scotland Plc (RBS) irresponsibly lent Mr H money via a credit card account. The late Mr H’s estate is represented by his relative, Mrs C. backgroundMrs C says RBS didn’t carry out proper affordability checks... (2 pages)View decision -
Decision Reference DRN-3590348
15 Jul 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3590348 The complaint Miss J complains that Barclays Bank UK PLC failed to tell her that she could ask it to take action to recoup over £17,000 that she lost in what would appear to have been a scam. Because Barclays’ staff incorrectly told her that there was nothing that could be done... (2 pages)View decision -
Decision Reference DRN3548910
30 Aug 2013 Robinson Way Limited Not upheldBanking and creditMr T complains that Robinson Way Limited has wrongly been pursuing him for a debt. backgroundRobinson Way says that in 2008 it purchased, from a bank, a debt on a credit card account formerly held by Mr T. He believes that the loan on the card was mis-sold by the bank and complained ... (1 page)View decision -
Decision Reference DRN7838154
29 Oct 2013 Hillesden Securities Limited Not upheldBanking and creditMrs E wants Hillesden Securities Limited to discontinue collection activity on a debt she says is unenforceable. Mrs E also says Hillesden has harassed her. Mrs E is represented in this complaint by Mr J. References to Mrs E should be taken to include submissions made by her representa... (2 pages)View decision