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 77331 results
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Decision Reference DRN0890807
25 Jul 2019 Barclays Bank UK PLC UpheldBanking and creditMrs U complains about the interest charges on her Barclays Bank UK PLC (trading as Barclaycard) account.backgroundMrs U received an email from Barclaycard suggesting she increase her monthly payment. But she couldn’t afford to. So she asked if Barclaycard would freeze the interest for a sh... (3 pages)View decision -
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 DRN7536165
13 Aug 2013 HSBC Bank plc Not upheldBanking and creditMs B complains that HSBC Bank plc closed her account without giving her notice and then provided poor customer service when it was re-opened.background HSBC wrote to Ms B in mid 2012 to tell her that the account was overdrawn. Some of the correspondence was then returned marked ‘Gone... (2 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 DRN5447044
5 Jul 2021 Barclays Bank UK PLC UpheldBanking and creditMrs B is unhappy that Barclays Bank UK PLC are holding her responsible for four loans which she says she didn’t take out. background The parties are aware of the background to this complaint. So, I don’t intend to set it out in detail here. In summary though, four loans were taken out in M... (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 DRN5976639
16 Jan 2015 MKDP LLP Not upheldBanking and creditMr Q complains that MKDP LLP (“MKDP”) is acting unfairly in pursuing him for a debt taken out by a third party company.backgroundA business loan was taken out by a company (“B”) in 2010 with a lender (“F”). Mr Q was a director of B. B went into liquidation in 2012. F then sold the loan t... (2 pages)View decision -
Decision Reference DRN9094339
1 Nov 2017 Lowell Financial Ltd UpheldBanking and creditMiss L complains that Lowell Financial Ltd didn’t send her written confirmation that she’d cleared a debt - despite it promising to do so. She said this caused her worry and stress. She wants compensation.backgroundMiss L tells us she finished paying a debt to Lowe... (2 pages)View decision -
Decision Reference DRN8459595
6 Sep 2013 Baines & Ernst Limited Not upheldBanking and creditMrs A complains about a debt management plan she has with Baines & Ernst Limited (Baines & Ernst). She is unhappy that she was still required to pay the full monthly management fee despite payments for one of her creditors being returned to her for her to then send to the credi... (2 pages)View decision -
Decision Reference DRN1679211
13 Aug 2013 Bank of Scotland Plc Not upheldBanking and creditMs A complains that Bank of Scotland plc (trading as Halifax) has not frozen interest charges and fees on her credit card account that she is currently repaying under a debt management plan, and that consequently, the debt will not be repaid in her lifetime. background In 2012, Ms A ... (2 pages)View decision