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 70137 results
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Decision Reference DRN4357401
23 Nov 2015 Lowell Financial Ltd Not upheldBanking and creditMr B complains that Lowell Financial Ltd is harassing him for payment and has been taking payments that he hasn’t authorised.backgroundMr B says that Lowell bought his debt form the original owner and then took him to court and a county court judgement was made requi... (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 DRN-2634197
16 Mar 2021 Christians Against Poverty Not upheldConsumer CreditDRN-2634197 The complaint Mr A and Mrs A complain that Christians Against Poverty (CAP) made errors in administering a debt management plan (DMP). It says this resulted in damage to their credit files. They want Christians Against Poverty to write to their creditors and accept it made mist... (5 pages)View decision -
Decision Reference DRN0222296
9 Jan 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMr P complains about Cabot Financial (Europe) Limited’s response to his subject access request (or “SAR”). He also complains that it refused to suspend its debt collections process while he challenged a debt it was pursuing him for.backgroundIn 2007 Mr P took out a l... (3 pages)View decision -
Decision Reference DRN-4395944
20 Oct 2023 Vodafone Limited Not upheldConsumer CreditDRN-4395944 The complaint Mr M has complained that Vodafone Limited recorded a default on his credit file in relation to a fixed sum loan agreement he’d taken out to buy a phone. What happened The circumstances of the complaint are well known to both parties. So I’m not going to cover off ... (3 pages)View decision -
Decision Reference DRN9371695
19 Nov 2014 Lowell Portfolio I Ltd Not upheldBanking and creditMs A has complained that Lowell Portfolio I Ltd is pursuing her for a debt which is not hers.backgroundLowell is pursuing Ms A for a debt which it bought from another company in 2005. I note that Lowell only came under this service’s jurisdiction on 6 April 2007, so I can only look at ... (2 pages)View decision -
Decision Reference DRN2294012
29 Sep 2017 Cabot Credit Management Group Limited Not upheldBanking and creditMr W complains that Cabot Credit Management Group Limited registered information on his credit file which he thinks it was not entitled to do.He asks that it stops putting “default notices” of his credit file, removes those that are there already and pay him reasonabl... (3 pages)View decision -
Decision Reference DRN-4072145
23 Jun 2023 Progressive Money Limited UpheldConsumer CreditDRN-4072145 The complaint Mr K complains that Progressive Money Limited (“Progressive Money”) lent to him irresponsibly. What happened Mr K took out a fixed sum loan agreement with Progressive Money in April 2018. He borrowed £3,000 over 48 months, repaying £157 a month. The total cost of ... (4 pages)View decision -
Decision Reference DRN9882893
29 Nov 2016 1st Credit Limited Not upheldBanking and creditMr D’s unhappy that 1st Credit Limited has continued pursuing him for a debt he says he’s not responsible for. He wants the debt waived, recovery action to stop and his credit file amended.backgroundOur adjudicator felt this complaint shouldn’t be upheld. He said: Mr... (2 pages)View decision -
Decision Reference DRN3693511
24 Jul 2015 Capquest Debt Recovery Limited Not upheldBanking and creditMs M complains Capquest Debt Recovery Limited is chasing her for a debt that isn’t hers. She also says that it’s harassing her by pursuing the debt.backgroundIn October 2010 and December 2012, two accounts were set up with a catalogue company in Ms M’s name. Ms M says... (2 pages)View decision
