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 70772 results
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Decision Reference DRN0295632
5 Apr 2017 Arrow Global Limited Not upheldBanking and creditMr B has complained Arrow Global Limited can’t ask him to pay two debts they now own as the defaults were not properly sent to him.backgroundIn 2014 Mr B’s bank sold his credit card and personal loan debts to Arrow Global. Mr B was being asked to repay more than £9... (2 pages)View decision -
Decision Reference DRN3361852
15 Nov 2016 Debt Advisory Line Limited Not upheldBanking and creditMr R complains that a debt management plan was mis-sold to him by Debt Advisory Line Limited. He is being helped with his complaint by a representative.backgroundMr R entered into a debt management plan with Debt Advisory Line in 2009. A complaint was made to Debt ... (2 pages)View decision -
Decision Reference DRN0887440
15 Oct 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs C – through their representative- complain that they were mis-sold a mortgage with Legal & General Partnership Services Limited (”Legal &General”) in 2007.backgroundLegal & General recommended a re-mortgage for a term of nine years to Mr and Mrs C.... (3 pages)View decision -
Decision Reference DRN9964690
5 Jan 2017 Bank of Scotland Plc Not upheldBanking and creditMr A complains that Bank of Scotland plc (trading as Halifax) has not allowed him a fair chance to clear his overdraft debt.backgroundMr A had a current account with Halifax, on which there was a significant overdrawn balance. He says that Halifax withdrew the overd... (2 pages)View decision -
Decision Reference DRN5342187
3 Oct 2014 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs B, represented by a claims management company, complain that they were mis-sold a mortgage by an authorised representative of Legal & General Partnership Services Limited (“L&G”). backgroundMr and Mrs B took advice leading to a re-mortgage from L&G. In doing so, ... (2 pages)View decision -
Decision Reference DRN3760201
21 Jan 2015 Barclays Bank Plc Not upheldBanking and creditMr D complains that Barclays Bank Plc placed ‘arrangement to pay’ markers on his credit reference file rather than a default marker.backgroundIn 2008 Mr D encountered financial difficulties and took advice from a debt management organisation. He entered into arrangements to pay with a ... (2 pages)View decision -
Decision Reference DRN7860988
29 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMiss B complains that Foundation for Credit Counselling, trading as StepChange, mis-sold her a debt management plan. The complaint is brought on her behalf by a claims management company. It says a debt relief order would’ve been more suitable.backgroundMiss B sou... (2 pages)View decision -
Decision Reference DRN0388472
24 Jan 2019 Bank of Scotland Plc Not upheldBanking and creditMr R complains that Bank of Scotland plc trading as Halifax incorrectly applied a default on his credit file. He would like this default removed and compensation for the time and effort taken in raising this complaint.backgroundMr R fell into financial difficulties ... (3 pages)View decision -
Decision Reference DRN4464054
23 Jul 2014 Lloyds Bank PLC UpheldBanking and creditMiss A complains that Lloyds Bank PLC is wrongly pursuing her for a debt which she says she has already repaid. backgroundMiss A held a mortgage account and a current account with Lloyds, both of which were in arrears. Miss A sold her property to repay the mortgage debt and in May 2008... (2 pages)View decision -
Decision Reference DRN5791432
25 Feb 2014 Debt Advisory Line Limited Not upheldBanking and creditMr T complains about the advice Debt Advisory Line Limited (DAL) gave him concerning a debt he owed jointly with his wife, Mrs T.backgroundIn 2009, Mr T had accumulated a large amount of debt in his own name. He also owed over £5,000 to one creditor jointly with Mrs T. He sought advice f... (2 pages)View decision
