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 70252 results
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Decision Reference DRN9561644
13 Apr 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs J complain they were mis-sold a mortgage by a representative of Legal & General Partnership Services Limited (L&G). And they’re unhappy about the early repayment charge (ERC) they paid when they remortgaged.backgroundWhen Mr and Mrs J agreed to go ... (3 pages)View decision -
Decision Reference DRN2436994
31 Oct 2013 Lloyds Bank PLC Not upheldBanking and creditMr H complains that Lloyds TSB Bank Plc PLC lent irresponsibly to him after he informed the bank of his gambling problem. background The circumstances leading to this complaint were set out in my provisional decision dated 8 October 2013, a copy of which is attached and forms part of ... (5 pages)View decision -
Decision Reference DRN-3127793
31 Mar 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3127793 The complaint Ms J complains that loans she took out with Loans 2 Go Limited were unaffordable and should not have been provided. What happened Ms J is represented in bringing this complaint but for clarity I’ll refer to Ms J in relation to their representations. Ms J took out ... (3 pages)View decision -
Decision Reference DRN-3669632
26 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3669632 The complaint Mrs H complains that NewDay Ltd provided her with two credit cards and increased the limit on both without adequately checking that she could afford any repayments. What happened Mrs H applied for and was provided with two credit cards by NewDay. The cards and dat... (5 pages)View decision -
Decision Reference DRN1370000
9 Nov 2016 Paragon Finance Plc Not upheldBanking and creditMr S complains that Paragon Finance PLC (trading as Moorgate Loan Servicing) isn’t reporting his account correctly. He says it should be reported with its original credit limit. He wants his credit file amended. backgroundMoorgate said in its final response that when t... (2 pages)View decision -
Decision Reference DRN-1210527
21 Apr 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1210527The complaintMr A complains that National Westminster Bank Plc ("NatWest") unfairly recorded a default marker on his credit file, following its decision to write off a debt. What happenedMr A says NatWest closed his current account without warning and asked for repayme... (2 pages)View decision -
Decision Reference DRN0304066
21 May 2018 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs E complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G). backgroundIn 2008 Mr and Mrs E met with L&G as they were looking to re-mortgage and wanted to reduce their out... (2 pages)View decision -
Decision Reference DRN0789162
19 Dec 2013 Bournes Limited UpheldBanking and creditMr L complains that Bournes Limited (trading as Bournes Debt Solutions) failed to administer his debt management plan correctly.backgroundMr L entered a “debt reduction plan“ with Bournes in March 2009. He paid Bournes £135 per month from April 2009 until November 2012 (£5,400 in tota... (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 DRN-4644526
11 Mar 2024 United Trust Bank Limited Not upheldMortgagesDRN-4644526 The complaint Mr F and Miss H complain that United Trust Bank Limited (UTB) irresponsibly lent them a second charge mortgage (secured loan) that was unaffordable and caused them further financial difficulties. Mr F and Miss H have also brought a complaint against the broker tha... (5 pages)View decision
