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-1568539
5 Mar 2020 London and Country Mortgages Ltd Not upheldInvestmentsDRN-1568539 The complaintMr H complains that having been advised to replace his Life and Critical Illness Cover (CIC), London and Country Mortgages Limited (the business) failed to make him aware that he’d need to cancel his direct debit payments for the old policy. Mr H is unhappy that he... (3 pages)View decision -
Decision Reference DRN2999768
11 Feb 2020 London and Country Mortgages Ltd Not upheldBanking and creditMs O has complained that she received conflicting advice from two separate advisers at London and Country Mortgages Limited (“L&C”).backgroundThe background to this complaint is set out in detail in a letter dated 9 September 2019 sent by the investigator to both Ms O and L&C. In o... (2 pages)View decision -
Decision Reference DRN8245531
6 Feb 2020 London and Country Mortgages Ltd Not upheldBanking and creditThis complaint is about a mortgage Ms R took out in 2019 on the advice and recommendation of London and Country Mortgages Ltd (“L&C”). Ms R is unhappy that her fixed rate deal doesn’t run for two full years from completion, but instead has a specified end date. To settle the complaint,... (2 pages)View decision -
Decision Reference DRN4627355
24 Jan 2020 London and Country Mortgages Ltd Not upheldBanking and creditThis complaint is about a mortgage Mr K took out in 2018, using the services of London and Country Mortgages Ltd (L&C). Mr K is unhappy at how long the application took, and says the delays resulted in him taking out a more expensive mortgage than originally intended.background In what... (3 pages)View decision -
Decision Reference DRN1640580
5 Dec 2019 London and Country Mortgages Ltd UpheldBanking and creditMs O and Mr R complain about a remortgage application they made through London and Country Mortgages Ltd (“L&C”) in June 2018. They’re unhappy with the level of service they received, and the poor communication.backgroundI won’t go into the full timeline of this complaint as it’s lengt... (2 pages)View decision -
Decision Reference DRN4135690
26 Sep 2019 London and Country Mortgages Ltd Not upheldBanking and creditMr S and Miss M are unhappy with the compensation offered by London and Country Mortgages Ltd (L&C) when it submitted their mortgage application for the wrong amount. backgroundL&C arranged a mortgage for Mr S and Miss M around June 2018. The mortgage was for a five year fixed term... (3 pages)View decision -
Decision Reference DRN2142677
16 Aug 2019 London and Country Mortgages Ltd Not upheldBanking and creditMr T complains that a loan application was declined because of errors made by London and Country Mortgages Ltd. He says this has caused him financial loss and distress. He wants compensation. backgroundL & C apologised in its final response for the fact Mr T’s loan application was decl... (2 pages)View decision -
Decision Reference DRN8034392
1 Aug 2019 London and Country Mortgages Ltd Not upheldPayment protection insurance (PPI)Mr and Mrs S complain that London and Country Mortgages Ltd (‘LCM’) mis-sold payment protection insurance (‘PPI’) to them alongside a mortgage. backgroundThe PPI cover that Mr and Mrs S bought was set up to cover Mrs S only. This was a regular premium policy, so they paid for it on a month... (3 pages)View decision -
Decision Reference DRN6384963
8 Jul 2019 London and Country Mortgages Ltd UpheldBanking and creditMs O complained that her mortgage broker London and Country Mortgages Ltd delayed sending proof of her self-employed income to the lender. She said this had unnecessarily delayed the completion of her mortgage.London and Country offered Ms O compensation, but she wanted more. She said it d... (6 pages)View decision -
Decision Reference DRN4768286
21 Jun 2019 London and Country Mortgages Ltd Not upheldBanking and creditMs B complains that London and Country Mortgages Ltd submitted a mortgage application in her name without her consent.backgroundMs B had a joint mortgage on a property with her estranged partner, Mr B. In September 2018 Mr B contacted L&C to discuss re-mortgaging th... (2 pages)View decision
