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 70370 results
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Decision Reference DRN3746494
29 Oct 2013 MBNA Limited Not upheldBanking and creditMr C complains that MBNA Limited recorded a default on his credit card account and sold his debt on to a third party. He says that the debt is unenforceable and should not have been sold on because MBNA is unable to supply the original credit agreement and terms and conditions of the acco... (2 pages)View decision -
Decision Reference DRN7670189
23 Apr 2013 Barclays Bank Plc UpheldBanking and creditMrs H complains that she was mis-sold a loan by Barclays Bank Plc that she took out the day before her late husband’s funeral to pay off a loan he had in his sole name. backgroundMrs H visited her local branch to discuss the outstanding balance on a loan her husband took out the yea... (2 pages)View decision -
Decision Reference DRN4077996
4 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr D and Ms E complain that the mortgage recommended to them by Legal & General Partnership Services Limited (L&G) was unsuitable.backgroundMr D and Ms E received advice on a re-mortgage in 2005 from a representative of L&G and this included a recommendation to consolidate ... (2 pages)View decision -
Decision Reference DRN8577400
5 Apr 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr and Mrs B complain that their income was over stated on their mortgage application to Lloyds TSB. As a result, they say the mortgage was unaffordable and they have suffered financial difficulties.background Mr and Mrs B took out a mortgage with Lloyds TSB. They borrowed a total ... (2 pages)View decision -
Decision Reference DRN1854893
24 Jul 2019 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland plc (RBS) have passed his debt to their recoveries department. Mr M thinks that RBS should have told him that this would happen after his third payment arrangement was broken. backgroundMr M switched his RBS current account to a different bank... (2 pages)View decision -
Decision Reference DRN2633820
20 Nov 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs B complain that that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L & G”).backgroundMr B had a mortgage, on a fixed rate. In 2008, towards the end of the fixed rate period, L & G advised him a... (2 pages)View decision -
Decision Reference DRN9074039
16 Nov 2016 Lloyds Bank PLC Not upheldBanking and creditMr N complains that Lloyds Bank plc hasn’t accepted his proposals for the repayment of his loan.backgroundMr N took out a business loan in 2003. In 2008 his overdraft and the loan were consolidated into a fixed rate new loan over 10 years. Towards the end of 2008 Mr... (2 pages)View decision -
Decision Reference DRN-5434953
28 Mar 2025 Zopa Bank Limited Not upheldConsumer CreditDRN-5434953 The complaint In summary, Mr D complains that Zopa Bank Limited, shouldn’t have provided him with a loan in 2017 that was unaffordable for him. In bringing his complaint, Mr D is represented by a business that I will refer to as S. What happened In January 2017 Zopa provide... (5 pages)View decision -
Decision Reference DRN3736130
5 Jul 2018 HSBC Bank plc Not upheldBanking and creditMr U1 has complained that HSBC Bank Plc appointed a Law of Property Act (LPA) receiver when he had a buyer in place.Mr U2, his brother, represents him under a power of attorney. However, to make this decision easier to read, I will refer only to Mr U1.backgro... (3 pages)View decision -
Decision Reference DRN9099229
29 Aug 2014 R. Raphael & Sons Plc Not upheldBanking and creditMr F complains R. Raphael & Sons Plc (trading as Monument) paid a refund of charges to his account instead of to him directly .backgroundMr F had a credit card account with Monument. He paid for a payment break plan (PBP) which he later complained to Monument was mis-sold. Monum... (1 page)View decision
