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 77331 results
-
Decision Reference DRN-4529263
22 Dec 2023 Salary Finance Limited UpheldConsumer CreditDRN-4529263 The complaint Mr H complains that Salary Finance Limited irresponsibly agreed a loan for him. What happened Salary Finance agreed a loan of £7,000 for Mr H in August 2022. The total amount owed was £10,775 to be repaid at £180 a month over 60 months (figures rounded). I underst... (3 pages)View decision -
Decision Reference DRN-4484778
16 Jan 2024 BW Legal Services Limited Not upheldConsumer CreditDRN-4484778 The complaint Mr S complains that BW Legal service Limited (BW Legal) continued to incorrectly pursue him for a debt even after he disputed it without proving to him it was his debt. What happened Mr S was the victim of fraud back in 2017. There were various fraudulent transact... (3 pages)View decision -
Decision Reference DRN9335101
6 Aug 2013 Apex Credit Management Limited UpheldBanking and creditMs B complains about Apex Credit Management Limited pursuing her for a debt that she says was repaid in 2009.backgroundThe adjudicator recommended the complaint be upheld. She felt that Ms B was justified in disputing the debt and she did not think it was fair or reasonable for Apex t... (2 pages)View decision -
Decision Reference DRN7662448
7 May 2019 Hoist Finance UK Limited UpheldBanking and creditMr L complains that Hoist Finance UK Limited wrongly pursued him for a debt. He says the debt wasn’t his but he received threatening letters and poor service while trying to deal with this.backgroundMr L says that he was pursued for a debt that wasn’t his. He says ... (3 pages)View decision -
Decision Reference DRN9479487
16 Dec 2014 Apex Collections Limited Not upheldBanking and creditMr F complains about debt management activities carried out by Apex Collections Limited trading as Apex Credit Management (“Apex”).backgroundApex carries out debt collection activities on behalf of lenders with regulated credit agreements. Mr F had a debt owed to a creditor which had be... (2 pages)View decision -
Decision Reference DRN3557614
30 Sep 2014 Lloyds Bank PLC Not upheldBanking and creditMr T complains that Lloyds Bank PLC is pursuing him for a debt that he says is not his. backgroundMr T was a partner in a business, from which he resigned in 2009. Lloyds says that it has no record of Mr T’s resignation and, as a partner, it considers that he remains jointly and several... (2 pages)View decision -
Decision Reference DRN4309469
25 Aug 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMs W complains that Haydon Associates Debt Management Consultants Ltd t/a Resolve (“Resolve”) gave her poor advice, causing her debts to increase rather than decrease.backgroundIn 2013 Ms W entered into a debt management plan (“the plan”) with Resolve. She did this follo... (2 pages)View decision -
Decision Reference DRN-2715453
14 Apr 2021 Hoist Finance UK Limited Not upheldConsumer CreditDRN-2715453 The complaint Mr D has complained that Hoist Finance UK Limited didn’t send him the documents he asked for. What happened This complaint is about a credit card account from 2013, which was sold to Hoist in 2018. In 2020, Mr D asked Hoist for certain documents such as the credit... (2 pages)View decision -
Decision Reference DRN-3071603
29 Sep 2021 Vanquis Bank Limited UpheldBanking and PaymentsDRN-3071603 The complaint Mr B is unhappy that Vanquis Bank Limited suspended his credit account on the basis of persistent debt. What happened Mr B called Vanquis in August 2020 because he'd received a letter advising him that his credit account would be suspended in October. The Van... (5 pages)View decision -
Decision Reference DRN-2859950
18 Jun 2021 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-2859950 The complaint Mr P complains that Lantern Debt Recovery Services Ltd was chasing him for a debt which he denied was his. He seeks compensation for the costs he’s incurred. What happened Mr P tells us that he received notification by post in July 2020 regarding the repayment of ... (3 pages)View decision