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 354994 results
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Decision Reference DRN4184817
10 Jun 2015 Paratus AMC Limited Not upheldBanking and creditThis complaint is about a mortgage Miss H holds with Paratus AMC Limited (”Paratus”). Miss H complains that: the mortgage, and a linked payment protection insurance (PPI) policy were mis-sold; fees and charges have been applied to the mortgage unfairly; and Paratus... (2 pages)View decision -
Decision Reference DRN8360310
10 Jun 2015 Clydesdale Bank Plc Not upheldBanking and creditMr C complains about delays by Clydesdale Bank Plc, which caused him to lose a potential mortgage with another bank.backgroundMr C has various debts to Clydesdale, both arising from his own borrowing and borrowing he has guaranteed. The borrowing is secured on his f... (2 pages)View decision -
Decision Reference DRN6898097
10 Jun 2015 Nationwide Building Society Not upheldBanking and creditMiss C complains about the administration of her mortgage by Nationwide Building Society. She says that when her direct debit failed, Nationwide didn’t contact her to request a replacement. Instead it used overpayments she had previously made to cover the missing monthly payments to s... (2 pages)View decision -
Decision Reference DRN9990270
10 Jun 2015 NRAM plc UpheldBanking and creditThis complaint is about a mortgage Mr K held with NRAM plc until recently. He’s unhappy that NRAM reported to credit reference agencies that he failed to make a payment to the unsecured part of his debt in the same month that he repaid the secured part.backgroundT... (2 pages)View decision -
Decision Reference DRN3175742
10 Jun 2015 GE Money Secured Loans Limited Not upheldBanking and creditMr and Mrs H have complained that a secured loan taken out in 2008 with Ge Money Secured Loans Limited was unsuitable and unaffordable. They are represented in the complaint by a relative, Mr C.background and provisional decisionIn 2008 Mr and Mrs H (then aged 58... (3 pages)View decision -
Decision Reference DRN5955448
10 Jun 2015 Santander UK Plc UpheldBanking and creditMr and Mrs C complain about delay and a lost mortgage application by Santander UK Plc.our initial conclusionsOur adjudicator didn’t recommend the complaint should be upheld. He found there had been no formal application until April 2014. The adjudicator noted one delay when Santande... (2 pages)View decision -
Decision Reference DRN9000538
10 Jun 2015 Barclays Bank Plc Not upheldBanking and creditMs T complains that Barclays Bank Plc didn’t follow her instructions to remove her name from a joint account she held with her ex-husband. And now Ms T is liable for the debt on the overdrawn account.backgroundMs T told us she divorced her ex-husband in 2008. She wr... (2 pages)View decision -
Decision Reference DRN4404806
10 Jun 2015 Lighthouse Advisory Services Limited UpheldInvestment and pensionsMr and Mrs B complain about advice they were given in 2007 by Lighthouse Advisory Services Limited (“the business”). Their representative says the recommended investments were unsuitable as they contained more risk than Mr and Mrs B were prepared to take.backgroundI is... (8 pages)View decision -
Decision Reference DRN9811720
10 Jun 2015 Barclays Bank Plc Not upheldBanking and creditMr M complains that a timeshare contract he entered into was misrepresented to him and breached. He has brought his complaint against Barclays Bank Plc (trading as Barclaycard) under section 75 of the Consumer Credit Act 1974.backgroundIn 2008 Mr M bought a timeshare. He... (2 pages)View decision -
Decision Reference DRN4741604
10 Jun 2015 Pentagon (UK) Limited Not upheldBanking and creditMr M complains on behalf of Mrs B that Pentagon (UK) Limited trading as Euro Debt Financial Services (Euro Debt) has mis-sold her a debt management plan.backgroundMrs B agreed to a debt management plan in September 2009 following a visit to her home by a representative ... (2 pages)View decision
