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 DRN-5024638
3 Oct 2024 National Westminster Bank Plc Not upheldConsumer CreditDRN-5024638 The complaint Mr G complains that National Westminster Bank Plc led him to believe that his debts had been consolidated into one account, when they had not been, and that as a result he unexpectedly still owes a substantial debt. What happened Mr G had a mortgage, a personal... (3 pages)View decision -
Decision Reference DRN5541600
22 Nov 2013 Lloyds Bank PLC Not upheldBanking and creditMr K complains that Lloyds Bank Plc (previously Lloyds TSB Bank Plc) has unfairly made a call on him under personal guarantees that he gave it for the debts of his limited company.backgroundMr K gave Lloyds his personal guarantees of £20,000 and £30,000 respectively, for the debts of hi... (2 pages)View decision -
Decision Reference DRN-1594694
18 Nov 2020 Equifinance Limited Not upheldMortgagesDRN-1594694 The complaint Mr and Mrs L have complained about a secured loan they took out with Equifinance Limited for debt consolidation. They say not all the debts they wanted to be cleared were paid off. What happened Mr and Mrs L applied for a secured loan to consolidate debts. The app... (2 pages)View decision -
Decision Reference DRN4753383
24 Oct 2016 DEBT CORRECT Not upheldBanking and creditMr H complains that Debt Correct Limited mis-sold him a debt management plan (DMP) as it didn’t advise him that he could get free debt advice elsewhere and he’d like a refund of the fees he paid. Mr H is represented by a claims management company - but I’ll refer to... (2 pages)View decision -
Decision Reference DRN6633320
27 Aug 2019 Lowell Portfolio I Ltd Not upheldBanking and creditMr I complains that Lowell Portfolio I Limited is seeking repayment from him for a debt that he owed to a third party.backgroundMr I had a credit card account with a third party. The account was in arrears and Mr I was contacted about the debt by debt collection agencies acting on behalf o... (2 pages)View decision -
Decision Reference DRN-4461764
13 Dec 2023 Freedom Finance Limited UpheldMortgagesDRN-4461764 The complaint Mr K complains that Freedom Finance Limited mis-sold him a second charge mortgage (secured loan). What happened In September 2019 Mr K contacted Freedom Finance to discuss taking out a secured loan. He wanted to explore consolidating existing unsecured debt to red... (7 pages)View decision -
Decision Reference DRN-2547783
2 Feb 2021 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-2547783 The complaint A, a limited company, complains about how National Westminster Bank Plc has dealt with the repayment plan for its loan. Mr F, a director, brings this complaint on behalf of A. What happened Mr F said that A had previously complained to our service about its loan, ... (5 pages)View decision -
Decision Reference DRN2465829
14 Jan 2020 Gain Credit LLC UpheldBanking and creditMs F complains that Gain Credit LLC, previously Lending Stream, lent to her in anirresponsible manner.background The background to this complaint was set out in my provisional decision of 28 November 2019, an extract of which is attached and forms part of this final decision, so I won’t re... (5 pages)View decision -
Decision Reference DRN3459367
27 Mar 2014 Lloyds Bank PLC Not upheldBanking and creditMr and Mrs G complain that Lloyds Bank plc (previously Lloyds TSB Bank plc) wrongly retained the residual sale proceeds of their property in reduction of Mrs G’s business debt. backgroundMr and Mrs G signed a mortgage deed over a property that they owned, which gave Lloyds a second... (2 pages)View decision -
Decision Reference DRN8059911
16 Oct 2014 Sterling Financial Security Ltd UpheldBanking and creditMrs M has complained about the debt reduction plan she entered into with Sterling Financial Security Ltd, as her debt has not significantly reduced. She also believes that Sterling has made late payments to her creditors and has applied unjustified charges against her account. She wou... (2 pages)View decision