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 69710 results
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Decision Reference DRN4741604
10 Jun 2015 Pentagon (UK) Limited Not upheldBanking and creditMr M complains on behalf of Mrs B that Pentagon (UK) Limited trading as Euro Debt Financial Services (Euro Debt) has mis-sold her a debt management plan.backgroundMrs B agreed to a debt management plan in September 2009 following a visit to her home by a representative ... (2 pages)View decision -
Decision Reference DRN6864101
19 Dec 2019 Hitachi Capital (UK) Plc Not upheldBanking and creditMiss R complains that Hitachi Capital (UK) Plc (“Hitachi”) sold her debt without advising her and should not have included interest in that debt. BackgroundMiss R took out a fixed sum loan in April 2017 but when her circumstances changed she had difficulty meeting the repayments. In Octobe... (2 pages)View decision -
Decision Reference DRN1688807
14 Nov 2014 Quinn & Co Debt Management Limited UpheldBanking and creditMr E complains that Quinn & Co Debt Management Limited, trading as Red Dm, (“Quinn”) misrepresented a debt management plan (“DMP”) to him.background Mr E entered into a DMP with Quinn in January 2014. He sent it information on his debts using a courier service paid for by Quinn. This ... (2 pages)View decision -
Decision Reference DRN1003140
14 Nov 2013 Northern Debt Recovery Limited UpheldBanking and creditMr O complains about the way that Northern Debt Recovery Limited has dealt with him while it was seeking repayment of a loan. He is unhappy as he sent a £350 payment in full and final settlement of the debt but Northern Debt Recovery is still seeking further payments from him. Mr O has... (3 pages)View decision -
Decision Reference DRN-3603289
15 Sep 2022 Kensington Mortgage Company Limited UpheldMortgagesDRN-3603289 The complaint Mr and Mrs B complain that Kensington Mortgage Company Limited (trading as Kensington Mortgages) is unfairly pursuing them for a shortfall debt some eight years after it took their property into possession and sold it. What happened Mr and Mrs B had a mortgage wit... (3 pages)View decision -
Decision Reference DRN9758542
9 Feb 2016 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs S complain that an authorised representative of Legal & General Partnership Services Limited (“LGPS”) mis-sold an unsuitable mortgage in 2006.backgroundLGPS recommended a new mortgage to Mr and Mrs S in 2006. Mr and Mrs S had an existing eight year int... (3 pages)View decision -
Decision Reference DRN7184821
22 Mar 2016 Legal & General Partnership Services Limited UpheldBanking and creditMrs A complains that she was mis-sold a mortgage by an appointed representative of Legal & General Partnership Services Limited (L&G).backgroundL&G made a recommendation to Mrs A for a remortgage. She also consolidated credit card debts and a loan into the n... (2 pages)View decision -
Decision Reference DRN-3968419
15 Feb 2023 Lowell Financial Ltd UpheldConsumer CreditDRN-3968419 The complaint Failed to send him appropriate evidence to say they’d taken over the debts, and have used his data illegally Are contacting him, as he’s got disputes over the two accounts they’ve purchased, and says they’re bullying and victimising him by affecting his health w... (8 pages)View decision -
Decision Reference DRN1632990
21 Jul 2015 Foundation for Credit Counselling UpheldBanking and creditMr C complains that Foundation for Credit Counselling (“StepChange”) a charity managing his debts, paid money to the wrong account. As a result one of Mr C’s debts wasn’t paid and he received letters from debt collectors. He wants compensation for the hurt and upse... (2 pages)View decision -
Decision Reference DRN8053686
15 May 2015 Lowell Portfolio I Ltd Not upheldBanking and creditMs R complains that Lowell Portfolio I Ltd is wrongfully chasing her to repay a debt. backgroundIn 2013 Lowell bought a debt from a third party lender. It wrote to Ms R, to tell her the debt had changed owners, and asked her to repay over £300. Ms R considers ... (2 pages)View decision
