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 70898 results
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Decision Reference DRN4254388
26 Jun 2013 CitiFinancial Europe Plc UpheldBanking and creditMr A complains of wrong adverse credit reference information registered in respect of a loan he had with CitiFinancial Europe Plc (“Citi”).our initial conclusionsMr A had a loan with CitiFinancial Europe Plc. He was not able to keep up with repayments, and eventually reached a... (2 pages)View decision -
Decision Reference DRN-4187382
18 Jul 2023 Age Partnership Limited Not upheldPensions and AnnuitiesDRN-4187382 The complaint Mr M, through his representative, has complained about advice he received from Age Partnership Limited (APL). This advice was to purchase a fixed term annuity using the benefits held within a Friends Life Section 32 (s32) plan. Mr M states the advice was unsuitabl... (6 pages)View decision -
Decision Reference DRN9919720
19 Aug 2015 Barclays Bank Plc Not upheldBanking and creditMr and Mrs C complain that Barclays Bank Plc allowed a cheque to leave a closed account. They further complain that the bank did not tell them about this for four years, but charged interest on that debt and eventually defaulted the account.backgroundMr and Mrs C say... (3 pages)View decision -
Decision Reference DRN9875824
21 Dec 2015 Sterling Financial Security Ltd UpheldBanking and creditMr and Mrs R complain about the way that Sterling Financial Security Ltd trading as Best Solution managed their debts. backgroundIn around November 2007, Mr and Mrs R entered into a debt management plan (DMP) with Best Solution. They agreed to pay an initial set up fe... (2 pages)View decision -
Decision Reference DRN8165264
5 Sep 2013 National Westminster Bank Plc Not upheldBanking and creditMr A complains that National Westminster Bank Plc (NatWest) has not accepted his offers of repayment for his loan.backgroundMr A took out a loan in 2008 but in early 2009 he began to regularly miss the monthly repayments. In 2011 NatWest issued default notices for both his loan and al... (2 pages)View decision -
Decision Reference DRN0134225
25 Jul 2018 HSBC Bank plc Not upheldBanking and creditC, a limited company, complains it was misled by HSBC Bank Plc about the terms on which it would lend. C is represented by its director, who I’ll refer to as Mr H. Mr H asks that HSBC cancels his personal guarantee and accepts its processes are misleading and unethi... (2 pages)View decision -
Decision Reference DRN8944832
22 Jan 2019 Flex Mortgages Limited Not upheldBanking and creditMrs K complains that Flex Mortgages Limited has harassed her to pay a debt which is statute-barred. She also complains that she has been a victim of mortgage fraud, because the broker who sold her the loan was acting fraudulently.backgroundThe loan in question was take... (2 pages)View decision -
Decision Reference DRN3422650
11 Mar 2014 Creation Consumer Finance Ltd UpheldBanking and creditMr J complains that Creation Consumer Finance Ltd cancelled his direct debit resulting in arrears charges and adverse information being added to his credit record.backgroundMr J signed an agreement with Creation Consumer Finance to finance the purchase of a sofa. This was arranged th... (2 pages)View decision -
Decision Reference DRN8722996
11 Jul 2013 HSBC Bank plc Not upheldBanking and creditMiss L complains that she has not been treated fairly by HSBC Bank Plc when it dealt with her and lent her money.background Miss L says that HSBC lent her money irresponsibly, loans were unaffordable and about how she was treated when she experienced financial difficulty. HSBC has off... (2 pages)View decision -
Decision Reference DRN8168226
12 May 2015 Legal & General Partnership Services Limited Not upheldBanking and creditThrough a claims management company (CMC), Mr and Mrs N complain that they received unsuitable mortgage advice in 2006 and 2008 from a representative of Legal & General Partnership Services Limited (L&G).background In 2006 Mr and Mrs N re-mortgaged after taking ... (3 pages)View decision
