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 DRN7559973
12 Jun 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs C complain that Legal & General Partnership Services Limited (L&G) wrongly advised them to consolidate their credit card debt with their new mortgage when they were re-mortgaging their house.backgroundMr and Mrs C are represented by a claims management... (2 pages)View decision -
Decision Reference DRN9395537
21 Sep 2016 Lowell Portfolio I Ltd Not upheldBanking and creditMr C complains that Lowell Portfolio I Ltd has recorded a default on his credit file. He says that he does not know anything about the debt to which this default relates. He wants Lowell to remove the default.backgroundThe background to this complaint, and my init... (3 pages)View decision -
Decision Reference DRN4214992
23 Jul 2018 Lantern Debt Recovery Services Ltd Not upheldBanking and creditMiss P has complained about the way that Lantern Debt Recovery Services Ltd (“Lantern”) has acted in pursuing a debt that it took over from another business in 2014.backgroundMiss P had taken out a £200 payday loan some years ago which she was unable to repay.... (3 pages)View decision -
Decision Reference DRN3079544
9 Feb 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (“L&G”).background Acting on advice from L&G, Mr and Mrs B re-mortgaged. In doing so, they shortened the term of their mortgage from 13 to ... (2 pages)View decision -
Decision Reference DRN1508961
27 Jan 2016 Lloyds Bank PLC Not upheldBanking and creditM, a partnership, complains loans it was given by Bank of Scotland plc were mis-sold. It also complains about the way the bank handled the recovery of its debt.backgroundThe background to M’s complaint is set out in the provisional decision issued on 18 November 20... (4 pages)View decision -
Decision Reference DRN0952468
28 Jan 2014 NEO Media Solutions Limited UpheldBanking and creditMr V complains that NEO Media Solutions Limited (trading as One Debt Solution): has not done what it promised when he entered into a debt management agreement with it; has not passed on to his creditors the money he paid it; and has refused to refund to him what he has paid it.back... (2 pages)View decision -
Decision Reference DRN0534022
10 Dec 2018 Ulster Bank Ltd Not upheldBanking and creditMiss A complains that in 2014 Ulster Bank Ltd reported a default to a credit reference agency in relation to her student account. backgroundIn 2010, Miss A opened a student account with Ulster Bank. She used the account until November 2012. The last credit to the ... (3 pages)View decision -
Decision Reference DRN-3046382
15 Sep 2021 Allied International Credit (UK) Ltd UpheldConsumer CreditDRN-3046382 The complaint Mr and Mrs B complain about incorrect information and poor service from Allied International Credit (UK) Ltd (Allied) in relation to a loan account it administers for another business. What happened The background to this complaint and my initial conclusions were ... (3 pages)View decision -
Decision Reference DRN5987140
2 Jul 2018 The Royal Bank of Scotland Plc Not upheldBanking and creditMr D complains that The Royal Bank of Scotland Plc (RBS) didn’t close his account when he instructed it to and it now says he owes around £1,500.backgroundMr D says he closed his RBS account about 10 years ago. But the bank says he owes money on it and has passed ... (2 pages)View decision -
Decision Reference DRN4265889
21 Mar 2018 Paratus AMC Limited Not upheldBanking and creditMr B complains that Paratus AMC Limited is unfairly asking him to pay the shortfall following the sale of his property. He wants matters put right.backgroundMr B had a mortgage with Paratus, which had been taken out originally when Paratus had a different name. The prop... (2 pages)View decision
