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-5064890
18 Nov 2024 Tandem Home Loans Ltd UpheldMortgagesDRN-5064890 The complaint Mrs B complains that Tandem Home Loans Ltd gave her a secured loan without adequately checking if it was affordable. What happened In 2018, Mrs B took out a secured second charge loan with 1 st Stop Home Loans, which is now called Tandem. I will refer to Tandem... (5 pages)View decision -
Decision Reference DRN1778177
4 Dec 2020 National Westminster Bank Plc Not upheldBanking and creditMrs P complains about how National Westminster Bank Plc has treated her in pursuing a debt of around £472,000. background Mrs P held a joint mortgage with her ex-husband, taken out some time ago, which fell behind in payments. NatWest took legal action to recover costs and in February 2010... (2 pages)View decision -
Decision Reference DRN4906759
16 Apr 2021 Cabot Credit Management Group Limited Not upheldBanking and creditMr R has complained about the way in which Cabot Credit Management Group Limited (‘Cabot’) has sought to recover payment from him in relation to a debt it purchased. background Cabot bought a credit card debt that belonged to Mr R in October 2017. The outstanding debt was around £3,000. Mr... (6 pages)View decision -
Decision Reference DRN4930652
18 Mar 2021 TFS Loans Limited UpheldBanking and creditMr R and Miss G have complained that TFS Loans Limited (“TFS” or “the lender”) should not have agreed a guarantor loan for them in May 2012. Background TFS agreed a joint loan of £4,000 for Mr R and Miss G on the 20 May 2012. The monthly repayment was £320 over two years, and the total amo... (8 pages)View decision -
Decision Reference DRN8866432
31 Mar 2015 Canada Square Operations Limited UpheldPayment protection insurance (PPI)Mr B’s complaint is that Canada Square Operations Limited, trading as CitiFinancial Europe Plc (“Citi”) mis-sold him payment protection insurance (“PPI”) policies with a chain of two loans in 2003 and 2004.backgroundCiti upheld Mr B’s complaint and made an offer w... (3 pages)View decision -
Decision Reference DRN0420472
25 Oct 2016 National Westminster Bank Plc Not upheldBanking and creditJ, a limited company, complains that National Westminster Bank Plc didn’t release security over its properties. It asks that NatWest release the security without charge. J is represented by its director, who I will call Mr B. backgroundJ had given a fixed charge over... (2 pages)View decision -
Decision Reference DRN3224688
1 Jul 2014 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mrs D’s complaint is about a regular premium payment protection insurance (PPI) policy sold to her by Capital One (Europe) plc (Capital One). Capital One has upheld her complaint but wants to use the redress owed to Mrs D to off-set against the outstanding balance on her credit card. Mr... (2 pages)View decision -
Decision Reference DRN4977741
21 Oct 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs G complain that Legal & General Partnership Services Limited (“Legal & General”) advised them to consolidate their car loan into their re-mortgage which was unsuitable.backgroundMr and Mrs G took advice from Legal & General about their mortgage. A... (2 pages)View decision -
Decision Reference DRN3461193
17 Nov 2015 CitiFinancial Europe Plc Not upheldBanking and creditMr and Mrs D complain that CitiFinancial Europe Plc (“CitiFinancial”) should not have offset their payment protection insurance (“PPI”) refund against their loan arrears. They also complain that CitiFinancial has been very slow to give them information they have asked... (2 pages)View decision -
Decision Reference DRN-4791020
22 Oct 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4791020 The complaint Mr M complains that TSB Bank Plc placed a default on his credit record after it closed his bank account. What happened In April 2023, Mr M opened an account with TSB. At the same time, he applied for an interest free arranged overdraft of £2,000. The applicatio... (3 pages)View decision