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 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 DRN-1374198
8 May 2020 The Co-operative Bank Plc Not upheldBanking and PaymentsDRN-1374198 The complaintMiss H complains that The Co-operative Bank plc( Co-op) unfairly registered a default on her credit file. What happenedMiss H says Co-op registered a default on her credit file in 2016 when she had told it about her financial problems and that she had approached a ... (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 DRN7551860
30 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr C complains that Bank of Scotland plc (trading as Halifax) did not remove his name from the joint account he held with his ex-wife, despite several requests. The account is overdrawn and Mr C is being pursued for the outstanding balance. Mr C disputes that he is responsible for the ac... (1 page)View decision -
Decision Reference DRN8179803
7 Mar 2014 Standard Life Assurance Limited UpheldInvestment and pensionsStandard Life Assurance Limited (“Standard Life”) miscalculated Mr E’s pension, resulting in him being overpaid by more than £20,000 over a ten year period. Mr E says the repayment plan requested by Standard Life to recover this debt is unreasonable and unaffordable.backgroundThe adjudic... (4 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 DRN1074772
31 Jan 2017 Baines & Ernst Limited Not upheldBanking and creditMrs G is unhappy about the sale and management of a debt management plan (“DMP”) by Baines & Ernst Limited.backgroundMrs G’s representative says Baines & Ernst mis-sold her a DMP. It says Baines & Ernst didn’t give her certain information when it should’ve. ... (2 pages)View decision -
Decision Reference DRN8445957
14 Aug 2014 National Westminster Bank Plc Not upheldBanking and creditMiss O complains that National Westminster Bank Plc (‘NatWest’) has unfairly recorded a default against her credit file. backgroundIn May 2012 Miss O went into a NatWest branch to discuss her overdraft. The overdraft limit of £2,250 – which had been in place since December 2008 – had ... (3 pages)View decision -
Decision Reference DRN-4117391
21 Sep 2023 CMME Mortgages And Protection Limited Not upheldMortgagesDRN-4117391 The complaint Mrs G and Mr S complain about the advice and service they got from CMME Mortgages and Protection Limited trading as CMME in relation to their mortgage application. What happened CMME is a mortgage broker. In 2022 Mrs G and Mr S were planning to relocate. In late A... (4 pages)View decision -
Decision Reference DRN4554949
9 Sep 2015 Bank of Scotland Plc Not upheldBanking and creditMs S has an account with Bank of Scotland plc, trading as Halifax. She complains the bank has: cancelled a payment arrangement without notice, applied charges to her account after it had agreed the account should be closed, failed to update her address, and fail... (2 pages)View decision
