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 DRN2161325
18 Apr 2016 London and Country Mortgages Ltd UpheldBanking and creditMr A complains that London and Country Mortgages Ltd (“L&C”) mishandled his mortgage application.As a result, Mr A incurred wasted costs.backgroundL&C acts as a mortgage broker. Mr A approached L&C for help finding a suitable mortgage when he wanted to buy h... (3 pages)View decision -
Decision Reference DRN1533581
30 Dec 2015 London and Country Mortgages Ltd Not upheldPayment protection insurance (PPI)Mr O complains he was mis-sold payment protection insurance (PPI) when he took out a mortgage through London and Country Mortgages Ltd (L&CM), in May 2004. Mr O says the PPI was mis-sold, because, (among other reasons): Mr O believed he had to take the PPI to ... (3 pages)View decision -
Decision Reference DRN9955777
29 Oct 2015 London and Country Mortgages Ltd Not upheldPayment protection insurance (PPI)Mr M complains he was mis-sold payment protection insurance (PPI) when he took out a mortgage through London and Country Mortgages Ltd (L&CM), in April 2004. Mr M is represented in his complaint by ATC Associates (ATC). They say the PPI was mis-sold, because, (amo... (3 pages)View decision -
Decision Reference DRN0605630
9 Jul 2015 London and Country Mortgages Ltd Not upheldBanking and creditMr and Mrs D complain that London & Country Mortgages Ltd (“L&C”) made an unsuitable re-mortgage recommendation to them.backgroundMr and Mrs D re-mortgaged in 2005. They switched their existing mortgage of some £145,000, consolidated £60,000 of unsecured debts an... (2 pages)View decision -
Decision Reference DRN8259087
29 Jun 2015 London and Country Mortgages Ltd UpheldBanking and creditMr O and Ms W complain that London and Country Mortgages Ltd (L&C) didn’t advise them that that they only had thirty days to port their tracker mortgage. They thought they had six months and, by the time L&C told them they didn’t, it was too late.backgroun... (3 pages)View decision -
Decision Reference DRN8838069
23 Feb 2015 London and Country Mortgages Ltd Not upheldBanking and creditMr J complains that London & Country Mortgages Limited (“L&C”) mis-sold a mortgage to him.backgroundMr J contacted L&C with a view to reducing his monthly outgoings while repaying the debts he had been left with following his divorce. L&C recommended he repay his existing... (3 pages)View decision -
Decision Reference DRN9500472
4 Feb 2015 London and Country Mortgages Ltd UpheldBanking and creditMiss K and Mr L complain that London and Country Mortgages Ltd did not provide clear advice as to the dates on which their 2 year fixed term mortgage would run.backgroundIn February 2014 London and Country recommended to Miss K and Mr L a 2 year fixed rate mortgage. Their previous ... (1 page)View decision -
Decision Reference DRN6878706
1 Oct 2014 London and Country Mortgages Ltd UpheldPayment protection insurance (PPI)This complaint is about a regular premium payment protection insurance (PPI) policy which London and Country Mortgages Ltd (L&C) sold to Mr and Mrs D when they arranged a mortgage with them in June 2005.backgroundMr and Mrs D arranged a mortgage through L&C. At the same time the... (4 pages)View decision -
Decision Reference DRN0168522
30 Sep 2014 London and Country Mortgages Ltd Not upheldBanking and creditMr H obtained a remortgage through brokers London and County Mortgages Ltd (L&C), and complained about the length of time it took to complete. He was remortgaging in order to raise funds for a house purchase for his separated wife, and says that L&C’s delays led to extra costs.... (3 pages)View decision -
Decision Reference DRN2340537
25 Jul 2014 London and Country Mortgages Ltd Not upheldPayment protection insurance (PPI)Mr T’s complaint against London and Country Mortgages Ltd (‘London and Country’) concerns the sale, in 2003, of a monthly premium mortgage payment protection insurance (“MPPI”) policy.backgroundIn the ombudsman service’s most recent assessment of this case, our adjudicator did not fin... (3 pages)View decision
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