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 DRN5181580
15 Jan 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMiss A complains that she was mis-sold mortgages, on two occasions, by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundL & G recommended that Miss A remortgage in 2005 and then again in 2007. In doing so she added unsecured ... (3 pages)View decision -
Decision Reference DRN5485703
30 Sep 2019 Barclays Bank UK PLC UpheldBanking and creditMrs C complains that Barclays Bank UK PLC acted irresponsibly by giving her a credit card and increasing her credit limit from £3,000 to £11,000 over the next few years.backgroundMrs C took out a credit card with Barclays in January 2013. Barclays increased her credit limit several times o... (3 pages)View decision -
Decision Reference DRN3588576
24 Oct 2019 The Royal Bank of Scotland Plc Not upheldPayment protection insurance (PPI)Mr M doesn’t think it’s fair for The Royal Bank of Scotland Plc (RBS) to use his payment protection insurance (PPI) compensation to reduce a debt from which he was discharged when his protected trust deed came to an end.backgroundI issued my provisional decision on 22 August 2019. A copy o... (4 pages)View decision -
Decision Reference DRN5570008
20 Dec 2013 Lloyds Bank PLC Not upheldBanking and creditOn behalf of Mr E, his father complains that Lloyds Bank Plc (previously Lloyds TSB Bank Plc) was irresponsible in increasing Mr E’s overdraft limit on a number of occasions, and in agreeing to issue him with a credit card. Mr E’s debts have since been repaid, but his father wants the ba... (2 pages)View decision -
Decision Reference DRN-2100011
25 Sep 2020 U K Insurance Limited Not upheldInsuranceDRN-2100011The complaintMiss M complains that U K Insurance Limited (“UKI”) registered a default on her credit file. What happenedMiss M had a car insurance policy with UKI. She had a credit agreement with it that required her to make monthly payments for the policy. In September 2019 she ... (3 pages)View decision -
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 DRN2205109
26 Jun 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs V’s representative claims management company complains that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”).backgroundMr and Mrs V had a mortgage and contacted L&G for advice on a re-mortgage. T... (2 pages)View decision -
Decision Reference DRN7392909
29 Sep 2016 Blue Finance Management Limited UpheldBanking and creditMiss C complains that Blue Finance Management Limited, trading as Debt Plan Direct, hasn’t paid her the agreed settlement amount of £621. She is being helped with her complaint by a representative.backgroundDebt Plan Direct made a settlement offer to Miss C of £621 in Mar... (1 page)View decision