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 DRN1764585
19 Jan 2017 Gregory Pennington Limited Not upheldBanking and creditMiss M, represented by a claims management company (CMC) says that the debt management plan (DMP) she entered into with Gregory Pennington Limited (the business) was mis-sold.backgroundMiss M entered into a DMP with the business in 2009. She complains that at that time ... (2 pages)View decision -
Decision Reference DRN6158783
15 Jul 2015 Advance Mortgage Funding Ltd Not upheldBanking and creditMr and Mrs P complain that the mortgage recommended by Advance Mortgage Funding Ltd was unsuitable. They are represented by a solicitor, which I will call A.backgroundAdvance Mortgage Funding Ltd recommended a repayment mortgage to Mr and Mrs P in 2007. A says the a... (3 pages)View decision -
Decision Reference DRN1543109
12 Aug 2015 First Union Mortgages Limited Not upheldBanking and creditMr and Mrs T complain that First Union Mortgages Limited (First Union) should not have advised them to consolidate unsecured debts onto their mortgage. They say they are now at risk losing their home, due to the unsuitable advice they received.backgroundFirst Union co... (5 pages)View decision -
Decision Reference DRN3411538
2 Dec 2015 The Co-operative Bank Plc UpheldPayment protection insurance (PPI)Miss C’s complaint is about the mis-sale of two payment protection insurance (PPI) policies and the way The Co-operative Bank Plc has offered to put that right.backgroundThis complaint is about two PPI policies which Miss C bought in 2005 at the same time as taking o... (2 pages)View decision -
Decision Reference DRN1814709
31 Jan 2019 Oakam Ltd Not upheldBanking and creditMiss C complains that Oakam Ltd failed to contact her about missed payments on her debt when she had a debt management plan (DMP) in place and unfairly transferred the balance to a debt collection agency.backgroundMiss C took out a loan with Oakam in 2014 with an ... (2 pages)View decision -
Decision Reference DRN8148230
20 Jun 2014 Career Development Finance Limited Not upheldBanking and creditMs D complains that she is being pursued by a debt collection agency for repayment of a loan from Career Development Finance Limited which she says she had cancelled. backgroundSome years ago, Ms D took out a point of sale loan from Career Development Finance Limited to pay for her car... (2 pages)View decision -
Decision Reference DRN-3091688
12 Nov 2021 BW Legal Services Limited Not upheldConsumer CreditDRN-3091688 The complaint Mr S complains that BW Legal Services Limited is pursuing him for a debt without providing evidence it has authority to do so. What happened Mr S had a credit card with another business (C). Mr S has explained that after a period of working abroad he experienced i... (2 pages)View decision -
Decision Reference DRN0870155
23 Sep 2015 Motormile Finance UK Limited Not upheldBanking and creditMr H complains that Motormile Finance UK Limited is chasing him for a debt he owes another business.backgroundMr H had taken payday loans and made arrangements for these to be repaid through a debt management company. But there were problems with the debt management... (2 pages)View decision -
Decision Reference DRN-4306746
17 Aug 2023 Marks & Spencer Financial Services plc UpheldBanking and PaymentsDRN-4306746 The complaint Miss T complains that Marks & Spencer Financial Services Plc (M&S) lent to her irresponsibly and didn’t support her in financial difficulty. What happened Miss T had a credit card from M&S since 2013. The limit was originally £1,500. Limit increases we... (5 pages)View decision -
Decision Reference DRN0387648
3 Aug 2015 NRAM plc Not upheldBanking and creditMrs R complains that NRAM plc holds her liable for the whole of the remaining mortgage debt after the sale of her jointly-owned house and that it failed to advise her properly.backgroundMrs R and her former husband jointly mortgaged their house to NRAM. When the ho... (2 pages)View decision
