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 DRN6917215
2 Jul 2015 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Ms M complain that they were mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited.backgroundMr and Ms M remortgaged, acting on advice from L&G. At the time, they had two credit cards, a loan and an overdra... (2 pages)View decision -
Decision Reference DRN0363559
15 Nov 2016 Debt Advisory Line Limited Not upheldBanking and creditMr and Mrs P complain that a debt management plan was mis-sold to them by Debt Advisory Line Limited. They are being helped with their complaint by a representative. backgroundMr and Mrs P entered into a debt management plan with Debt Advisory Line in August 2010.... (2 pages)View decision -
Decision Reference DRN5065729
1 Mar 2017 HSBC Bank plc Not upheldBanking and creditMr S complains that HSBC Bank Plc has not treated him fairly in that it did not properly apply an inhibit to a joint account he held with his ex-partner. He says a payment was wrongly made from the account in 2009, leading to the account going into arrears and then ... (3 pages)View decision -
Decision Reference DRN4472726
20 Sep 2013 HSBC Bank plc Not upheldBanking and creditMrs F complains that HSBC Bank plc continued to accept payments through a debt management plan for many years after it had written off the debt. Mrs F wants this money – about £8,000 – returned to her. Mrs F is represented by her husband. backgroundMrs F took out a loan with the ban... (2 pages)View decision -
Decision Reference DRN-2786262
22 Jun 2021 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-2786262 The complaint Mr L complains that Capital One (Europe) plc irresponsibly lent to him by letting him take out two credit cards. What happened In 2014, Mr L took out his first credit card with Capital One. This card had a limit of £200. In 2016, Mr L took out a second credit card... (3 pages)View decision -
Decision Reference DRN3062253
26 Jun 2019 Intrum UK Limited Not upheldBanking and creditMrs R complains that Intrum UK Limited is chasing her for a debt which was settled. She wants the record removed from her credit file and confirmation she does not owe the debt.backgroundMrs R is represented by Mr R, a relative, and as he has been actively involve... (4 pages)View decision -
Decision Reference DRN9168446
27 Sep 2016 Foundation for Credit Counselling Not upheldBanking and creditMr S complains that Foundation for Credit Counselling, trading as Step Change, mis-sold him a debt management plan. The complaint is brought on his behalf by a claims management company. It says Mr S would be in a better position now if he’d been advised to enter int... (2 pages)View decision -
Decision Reference DRN-3683006
3 Sep 2022 Evolution Lending Limited Not upheldMortgagesDRN-3683006 The complaint Ms D has a secured loan with Evolution Lending Limited and she has complained about how it treated her when she had financial difficulties. What happened Ms D took out this loan in June 2018. She borrowed £20,000 over a 15-year term at an interest rate of 19.56% (... (5 pages)View decision -
Decision Reference DRN1721058
6 Jan 2014 Think Loans and Mortgages Limited Not upheldBanking and creditMr and Mrs F complain that Think Loans and Mortgages Limited (“Think”) advised them to;- take out an interest only mortgage without a suitable repayment vehicle;- did not explain the implications of consolidating their existing unsecured debts, and;- incorrectly recommended a self-certif... (3 pages)View decision -
Decision Reference DRN7471506
16 Dec 2015 CitiFinancial Europe Plc Not upheldBanking and creditMr J complains that CitiFinancial Europe Plc did not contact him about his debt for nearly six years, and then sold the debt without telling him.background In 2000 Mr J borrowed over £3,500 from CitiFinancial. He was supposed to pay back £135 a month, but he soon ... (2 pages)View decision
