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 DRN5020870
16 Dec 2015 Lowell Portfolio I Ltd UpheldBanking and creditMr S has complained Lowell Portfolio I Ltd won’t update his credit record even though they’ve agreed to write off his debt.backgroundMr S had two credit card debts which Lowell took over. Lowell decided not to pursue Mr S for the money outstanding but defaults ... (1 page)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 DRN0864476
10 Apr 2018 Mortgage Express UpheldBanking and creditMr and Mrs Q complain about how Mortgage Express has treated them whilst they’ve had financial difficulties.backgroundMr and Mrs Q have a mortgage with Mortgage Express and they’ve been in financial difficulties for some time, with the arrears being capitalised in 2011 a... (4 pages)View decision -
Decision Reference DRN6217209
20 Aug 2013 MBNA Limited Not upheldBanking and creditMs Q complains that MBNA Limited wrongly pursued her for repayment of a credit card debt and sold it to a third party collection agency when it had no right to do so. She says the debt is unenforceable as MBNA has been unable to provide her with the signed credit agreement and terms and... (2 pages)View decision -
Decision Reference DRN3216426
3 Aug 2017 Santander UK Plc Not upheldBanking and creditMr H complains about how Santander UK Plc treated his mortgage account when it paid outstanding service charges to the freeholder of his leasehold property.backgroundMr H has had a mortgage with Santander for many years. His mortgage is secured over a leasehold property.... (2 pages)View decision -
Decision Reference DRN8380058
15 Dec 2015 Lloyds Bank PLC Not upheldBanking and creditMr O has complained about irresponsible lending by Lloyds Bank PLC (Lloyds).backgroundIn 2005, Mr O opened an account with Lloyds. It offered him a credit card with a limit of £500, which he accepted. His spending on the credit card then exceeded the limit and he ran ... (2 pages)View decision -
Decision Reference DRN1204483
30 Sep 2015 Marlin Europe II Limited Not upheldBanking and creditMr S has complained about how he’s being pursued for a debt by Marlin Europe II Limited.backgroundMr S is being asked to repay a debt by Marlin. He has a lot of concerns about this, but many of these have already been looked at by this service. So this specific ... (2 pages)View decision -
Decision Reference DRN8098769
6 Aug 2014 Aktiv Kapital (UK) Limited Not upheldBanking and creditMr M recently checked his credit file and found that Aktiv Kapital (UK) Limited had reported a default in August 2010 against a credit card account. He says that he stopped using this card in 2002, and he does not accept there were any amounts owing on the account. He complains that, ... (2 pages)View decision -
Decision Reference DRN2106120
17 Jul 2019 HSBC UK Bank Plc UpheldBanking and creditMrs D complains that HSBC UK Bank plc is chasing her for a debt that she considers has been written off by the bank.background Mrs D had a credit card with HSBC, and in 2012 the outstanding balance was passed to the bank’s collections department. From 2013 the debt was administered by a th... (2 pages)View decision -
Decision Reference DRN9308588
27 Sep 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr L complains, in summary, that he was mis-sold a loan because Lloyds TSB Bank plc led him to believe that it would be repaid from a remortgage that the bank would provide.background Mr L asked Lloyds TSB to help him by providing a loan of £25,000 so he could repay his credit card de... (2 pages)View decision