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 71523 results
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Decision Reference DRN-2267221
8 Feb 2021 Legal & General Partnership Services Limited Not upheldMortgagesDRN-2267221 The complaint Through a claims management company (CMC), Mr and Mrs C have complained that a mortgage was mis-sold by a representative of Legal & General Partnership Services Limited (L&G). They are asking L&G to compensate them for the losses incurred by taking out... (4 pages)View decision -
Decision Reference DRN-3547140
5 Sep 2022 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3547140 The complaint Mr A is unhappy that Bank of Scotland plc, trading as Halifax, charged interest to his credit account during a time when he was making repayments in line with a payment plan that had been arranged by a debt charity on his behalf. What happened Mr A found himself i... (4 pages)View decision -
Decision Reference DRN4914692
5 Nov 2015 Legal & General Partnership Services Limited Not upheldBanking and creditThis complaint is about a mortgage arranged for Mr and Mrs J by an adviser connected with Legal & General Partnership Services Limited (“L&G”). Mr and Mrs J are concerned about the suitability of advice to consolidate a 0% credit card debt into a mortgage term... (2 pages)View decision -
Decision Reference DRN3393805
19 Feb 2020 Lloyds Bank PLC UpheldBanking and creditMr C complains that Lloyds Bank Plc offset a refund against a debt that he says he’s alreadypaid off rather than paying the refund to him directly. Mr C is also unhappy thatLloyds Bank Plc haven’t explained to him why they believe they are legally entitled to keephis refund.backgroundMr C ... (5 pages)View decision -
Decision Reference DRN4200345
9 May 2014 Vanquis Bank Limited Not upheldBanking and creditMrs A complains Vanquis Bank Limited was unhelpful and harassed her with phone calls when it should have written off her debt, in view of her financial difficulties. backgroundMrs A and her husband both became unemployed in 2013. Mrs A couldn’t meet her credit card repayments and contac... (2 pages)View decision -
Decision Reference DRN-5023691
17 Sep 2024 Sainsbury's Bank Plc UpheldBanking and PaymentsDRN-5023691 The complaint Mrs W complains that Sainsbury's Bank Plc didn’t agree to write off her debt and handled her request poorly. What happened Mrs W has a credit card account with Sainsbury’s and in January 2023 she contacted the bank to inform it of her medical condition and... (3 pages)View decision -
Decision Reference DRN6247609
4 Aug 2017 Hoist Finance UK Limited Not upheldBanking and creditMr Y complains that Hoist Finance UK Limited have taken steps to pursue a debt against him which it does not own. He wants these steps to be undone.backgroundMr Y owed a debt to another company. This debt was sold to a third party, and that party was acquired by Ho... (2 pages)View decision -
Decision Reference DRN-4011595
5 May 2023 JC International Acquisition LLC UpheldConsumer CreditDRN-4011595 The complaint Mr K complains JC International Acquisition LLC (JC) have harassed him regarding a debt. What happened There are several parties involved in this complaint: C – they were the original lender JC – they are the current owners of the debt B – they are the debt col... (3 pages)View decision -
Decision Reference DRN7898878
14 Aug 2015 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs F complain about two loans sold to them by Lloyds Bank Plc in 2009 and howLloyds handled their credit cards at that time.background I issued my provisional decision in July 2015, a copy of which is attached and forms part of this final decision. In my ... (6 pages)View decision -
Decision Reference DRN6436127
6 Feb 2015 MBNA Limited Not upheldBanking and creditMiss K complains that MBNA Limited won’t honour a settlement agreement reached before her credit card debt was sold on to a third party. backgroundMiss K contacted MBNA when she was experiencing financial difficulties. As a result, MBNA agreed to accept reduced monthly payments and wai... (2 pages)View decision
