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 70502 results
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Decision Reference DRN5701610
17 Sep 2015 Think Loans and Mortgages Limited Not upheldBanking and creditMr and Mrs M complain that Think Loans and Mortgages Limited (“TLML”) gave them unsuitable advice about a re-mortgage. Mr and Mrs M are represented in their complaint by a firm of solicitors.backgroundIn 2005 Mr and Mrs M met with one of TLML’s mortgage advisors. Th... (4 pages)View decision -
Decision Reference DRN6062407
30 Sep 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs D, represented by a claims management company (CMC), complains that Harrington Brooks (Accountants) Limited (the business) mis-sold her a debt management plan (DMP). She also complains that her DMP was not managed correctly.backgroundMrs D entered into a DMP with the... (2 pages)View decision -
Decision Reference DRN7779245
19 Aug 2019 Santander UK Plc Not upheldBanking and creditMr H complains that Santander UK Plc didn’t contact him about a debt for three years and then passed it to a third party to collect. Mr H says he thought the debt had been written off by Santander. backgroundMr H had a credit card with Santander which fell into arrears. The last payment Mr... (2 pages)View decision -
Decision Reference DRN1034103
16 Apr 2019 Home Retail Group Card Services Limited UpheldBanking and creditMr J complains that Home Retail Group Card Services Limited, trading as Argos, took too long in registering a default on his credit file. They originally registered it in 2015 when he had arrears on his credit card from 2013. They then removed the default and regi... (2 pages)View decision -
Decision Reference DRN9246523
30 Dec 2019 Cabot Credit Management Group Limited Not upheldBanking and creditMs A complains that Cabot Credit Management Group Limited (trading as Cabot Financial (Europe) Limited is wrongly pursuing her for a debt and hasn’t acted fairly.backgroundMs A complained when she was contacted by Cabot about a past debt. She said that she thought this was a scam and that ... (2 pages)View decision -
Decision Reference DRN9296846
28 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr J complains that Lloyds TSB Bank Plc did not send him a paying in book when he asked for one and as a result he was unable to make payments to repay his debt which is now the subject of court proceedings. Mr J asks that Lloyds TSB restores his credit files and pays compensatio... (2 pages)View decision -
Decision Reference DRN4036739
8 May 2019 Retail Money Market Ltd UpheldBanking and creditMr M complains that Retail Money Market Limited, trading as RateSetter, (“RMM”), didn’tcarry out adequate affordability checks before he received a loan he couldn’t afford to repay.Mr M also complains that RMM wrongly pursued him for debt after it had been told he ... (6 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 DRN-4644526
11 Mar 2024 United Trust Bank Limited Not upheldMortgagesDRN-4644526 The complaint Mr F and Miss H complain that United Trust Bank Limited (UTB) irresponsibly lent them a second charge mortgage (secured loan) that was unaffordable and caused them further financial difficulties. Mr F and Miss H have also brought a complaint against the broker tha... (5 pages)View decision -
Decision Reference DRN-4755320
19 Aug 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4755320 The complaint Mr T complains that Bank of Scotland plc, trading as Halifax put a default on his credit report for a debt he disputes and wasn’t aware of, and this has affected his ability to obtain credit. What happened When Mr T checked his credit report he noticed a defau... (3 pages)View decision
