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 71745 results
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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 DRN0316207
28 May 2013 EUI Limited UpheldInsurance (excluding PPI)Mrs L has complained that a debt collection agency is pursuing her for a debt related to her motor insurance policy, which she believed had been resolved in September 2008. backgroundMrs L had been insured with EUI Limited (trading as Diamond) for some years. At her 2008 renewal, sh... (2 pages)View decision -
Decision Reference DRN9063648
15 Mar 2017 Lowell Portfolio I Ltd Not upheldBanking and creditMr D complains that Lowell Portfolio I Ltd (the business) did not tell him that it had purchased his account from the previous owner. He says that he made payments to the previous owner that the business had not credited to his account and that a default had been r... (2 pages)View decision -
Decision Reference DRN-4586355
27 Feb 2024 Debt Managers (Services) Limited Not upheldConsumer CreditDRN-4586355 The complaint Mr K has complained that Debt Managers (Services) Limited recorded a default on his credit file, for an account which he says was taken out fraudulently without his consent. What happened In 2018, a consumer credit account was opened in Mr K’s name at his address.... (3 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 DRN9373561
18 Mar 2015 Lloyds Bank PLC UpheldBanking and creditMrs E complains that Lloyds Bank PLC is holding her liable for an outstanding debt on a joint account despite not notifying her of the debt. She does not want to be held responsible for the debt. background Mrs E received a letter from Lloyds seeking repayment of a d... (2 pages)View decision -
Decision Reference DRN8724749
30 Jul 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr A complains that Lloyds TSB Bank plc should not have sold his current account debt to a third party because the sale was time barred.backgroundMr A had a current account, loan account and credit card with Lloyds TSB. He has not raised concerns about his credit card as part of this co... (2 pages)View decision -
Decision Reference DRN8552872
2 May 2017 Harrington Brooks (Accountants) Limited UpheldBanking and creditMrs B complains that Harrington Brooks (Accountants) Limited mis-sold her a debt management plan. She says it didn’t do enough to manage her debt.backgroundThe background to this complaint is summarised in my provisional decision dated 22 March 2017, a copy of which ... (5 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
