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 DRN-5352146
20 Mar 2025 Hastings Insurance Services Limited Not upheldInsuranceDRN-5352146 The complaint Mr Y complains about how Hastings Insurance Services Limited administered a payment plan to clear a debt he owed for his motor insurance policy. He wants additional compensation for the stress and inconvenience this caused. What happened Mr Y agreed a payment ... (2 pages)View decision -
Decision Reference DRN3819499
5 Feb 2016 HSBC Bank plc Not upheldBanking and creditMr G complains about the terms of a managed loan he took with HSBC Bank PLC (“HSBC”). He also complains that HSBC didn’t treat him fairly when he fell into financial difficulty.backgroundMr G consolidated debts from a current account, a loan and a credit card into ... (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 -
Decision Reference DRN-2435841
31 Dec 2020 Gain Credit LLC Not upheldConsumer CreditDRN-2435841 The complaint Mrs T complains that Gain Credit LLC, trading as Lending Stream, lent to her irresponsibly. Mrs T also complains that six late payments and a default appeared on her credit file which she says ought not to be there. What happened Mrs T applied for a £600 loan fro... (2 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 DRN4554548
9 Jan 2018 Lloyds Bank PLC Not upheldBanking and creditMrs A complains that Lloyds Bank PLC placed a default on her credit file following an unpaid balance on a joint account she held with her former husband. backgroundMr A became insolvent and Lloyds removed him from the joint current account with Mrs A and began to clos... (2 pages)View decision -
Decision Reference DRN4760448
3 Jun 2016 Fairways Financial Services Limited Not upheldBanking and creditMr A and Mr H complain of unsuitable mortgage advice from Fairways Financial Services Limited (Fairways).backgroundMr A and Mr H’s repayment mortgage had a monthly payment of £1,350.00. They were also paying about £500.00 per month towards their credit card debts, abo... (1 page)View decision -
Decision Reference DRN1223355
31 Oct 2013 Bank of Scotland Plc UpheldBanking and creditMrs K complains that Bank of Scotland plc, trading as Halifax, did not respond positively and sympathetically when she told it about her financial difficulties, and that it has passed her debt to external collections agencies. These actions have caused her distress and inconvenience, a... (2 pages)View decision -
Decision Reference DRN-4586622
23 Feb 2024 Paratus AMC Limited UpheldMortgagesDRN-4586622 The complaint Ms C complains that Paratus AMC Limited is now asking her to pay the shortfall for a mortgage. She told us that the shortfall must date back to around 2007 or 2008, and Paratus hasn’t been in touch about this debt for many years. What happened This decision deals ... (5 pages)View decision -
Decision Reference DRN7529250
13 Jul 2017 HSBC Bank plc Not upheldBanking and creditThis complaint’s about a joint mortgage Mr and Mrs P have with HSBC Bank Plc, and a personal loan that Mr P holds with the bank. They used the mortgage to buy a house which needed renovating, and the loan to continue working on the renovation. They complain that ... (3 pages)View decision
