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 90 results
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Decision Reference DRN-5344468
20 Feb 2025 London and Country Mortgages Ltd Not upheldMortgagesDRN-5344468 The complaint Ms F complains about errors and poor service when she took mortgage advice from London and Country Mortgages Ltd. She says she missed out on lower interest rate products, had to find a larger deposit and was caused significant stress and inconvenience. What hap... (3 pages)View decision -
Decision Reference DRN-5340709
19 Feb 2025 London and Country Mortgages Ltd UpheldInsuranceDRN-5340709 The complaint Mr M has complained that London and Country Mortgages Ltd (“L&C”) mis-sold him a life and critical illness policy. What happened The background to this complaint is well known to both parties so I won’t repeat it again here in detail. In summary Mr M was so... (3 pages)View decision -
Decision Reference DRN-5293705
30 Jan 2025 London and Country Mortgages Ltd UpheldMortgagesDRN-5293705 The complaint Mr F complains that London and Country Mortgages Ltd trading as L&C Mortgages did not treat him fairly when it gave him mortgage advice. What happened In April 2023, L&C gave Mr F mortgage advice. But there was a delay in buying the property he wanted b... (4 pages)View decision -
Decision Reference DRN-5212071
13 Dec 2024 London and Country Mortgages Ltd UpheldMortgagesDRN-5212071 The complaint Ms R and Mr R complain that London and Country Mortgages Ltd gave them incorrect information about whether an early repayment charge (ERC) would apply when they moved home. They say they are about £6,000 out of pocket and this was an extremely stressful experie... (3 pages)View decision -
Decision Reference DRN-4890184
9 Jul 2024 London and Country Mortgages Ltd UpheldMortgagesDRN-4890184 The complaint Mrs and Mr J complain that London and Country Mortgages Ltd (L&C), failed to provide suitable advice when recommending a mortgage for their new home. What happened I set out a brief summary of this complaint to both sides in February 2024 when I issued a provi... (6 pages)View decision -
Decision Reference DRN-4816197
24 May 2024 London and Country Mortgages Ltd UpheldMortgagesDRN-4816197 The complaint Mr and Mrs S complain that London and Country Mortgages Ltd (L&C) delayed their mortgage application. As a result, they said they lost out the interest rate they wanted. What happened In July 2022 L&C recommended that Mr and Mrs S should take a mortgage wi... (3 pages)View decision -
Decision Reference DRN-4575619
3 May 2024 London and Country Mortgages Ltd UpheldMortgagesDRN-4575619 The complaint Mr H and Ms W’s complaint is about the service London & Country Mortgages Ltd (L&C) provided them with when they asked it to arrange a mortgage for them in the spring of 2023. They consider the delays caused by L&C have meant they will have to pay a hi... (4 pages)View decision -
Decision Reference DRN-4760510
26 Apr 2024 London and Country Mortgages Ltd UpheldMortgagesDRN-4760510 The complaint Mr M complains about poor service and delays when he took mortgage advice from London and Country Mortgages Ltd. He says he missed out on a lower interest rate product as a result. What happened Mr M’s interest rate product was due to expire on 30 September 2023. ... (3 pages)View decision -
Decision Reference DRN-4366413
18 Mar 2024 London and Country Mortgages Ltd Not upheldMortgagesDRN-4366413 The complaint Mr B and Mrs B complaint that when they sourced a mortgage with the help of London and Country Mortgages Ltd (“L&C”) their broker didn’t make sure that the fixed interest rate on their mortgage ran for a full five years. They told us about the difficulties thi... (3 pages)View decision -
Decision Reference DRN-4634125
23 Feb 2024 London and Country Mortgages Ltd Not upheldInsuranceDRN-4634125 The complaint Mr W complains that he was mis-sold a policy by London and Country Mortgages Ltd (LCML) which he believed guaranteed him a lump sum after 35 years, but later turned out to only be a life and critical illness policy. What happened In October 2022 Mr W spoke to LCML... (4 pages)View decision
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