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 77331 results
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Decision Reference DRN1285042
14 Jan 2016 Bank of Scotland Plc UpheldBanking and creditMr M complains about Bank of Scotland Plc. There are a number of aspects to his complaint but in essence, Mr M complains that: Bank of Scotland acted irresponsibly when it granted him a personal loan in 2008; Bank of Scotland did not help him when he told the bank ... (3 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 DRN8847625
19 Dec 2013 NEO Media Solutions Limited UpheldBanking and creditMiss D complains that NEO Media Solutions Limited (trading as One Debt Solution) failed to administer her debt management plan appropriately.our initial conclusionsOur adjudicator upheld the complaint. He concluded that One Debt Solution failed to meet the requirements of the Offic... (2 pages)View decision -
Decision Reference DRN4076511
2 May 2013 HSBC Bank plc UpheldPayment protection insurance (PPI)Following a successful complaint that three monthly premium Payment Protection Insurance (PPI) policies had been mis-sold, HSBC agreed to refund to Mr M the premiums paid plus interest. Mr and Mrs M have complained that the refunds were applied to other debts they held with HSBC rather ... (4 pages)View decision -
Decision Reference DRN2093744
11 Feb 2015 Hillesden Securities Limited Not upheldBanking and creditMr D complains that he is being pursued for a debt by Hillesden Securities Limited trading as Direct Legal & Collections (DLC) which does not belong to him. Further, it has recorded incorrect information on his credit file. backgroundDLC acquired a debt in 2012. It was unaware that ... (2 pages)View decision -
Decision Reference DRN4904649
26 Feb 2016 Legal & General Partnership Services Limited Not upheldBanking and creditMr and Mrs F complain that they were given unsuitable mortgage advice by Legal & General Partnership Services Limited.backgroundMr and Mrs F re-mortgaged in 2008 after receiving advice from Legal & General. It recommended a repayment mortgage with a five year f... (2 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 DRN2268222
24 Jun 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr H complains that Legal & General Partnership Services Limited advised him to consolidate unsecured debts with the new mortgage when he was re-mortgaging his home in 2005.backgroundMr H brings this complaint through a claims management company, M.At the time L&... (2 pages)View decision -
Decision Reference DRN-3726062
30 Sep 2022 Nationwide Building Society UpheldMortgagesDRN-3726062 The complaint Mr T moved his mortgage from Nationwide Building Society. But his old mortgage wasn’t fully redeemed. He complains about how this happened, and that Nationwide then referred the outstanding payment straight to a debt collection agency, without contacting him. What... (5 pages)View decision -
Decision Reference DRN0635624
9 Jul 2019 National Westminster Bank Plc UpheldBanking and creditMr and Mrs M complain they settled their accounts with National Westminster Bank Plc but it’s now told them the settlement only applied to Mr M.BackgroundOn 15 May 2019 I issued a provisional decision saying that subject to any further comments or evidence from Mr and Mrs M or NatWest, I i... (3 pages)View decision