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 70661 results
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Decision Reference DRN-5184439
6 Dec 2024 Town & Country Legal Services LLP Not upheldConsumer CreditDRN-5184439 The complaint Mr B complains Town & Country Legal Services LLP (T&C) didn’t independently verify they were collecting a debt he owed – when actually the debt was fraudulently taken out in his name. What happened A loan was taken out using some of Mr B’s details for ... (3 pages)View decision -
Decision Reference DRN-2795324
5 Aug 2021 Bridgewater Support Solutions Ltd Not upheldConsumer CreditDRN-2795324 The complaint Miss R complains that Bridgewater Support Solutions Ltd (Bridgewater) mis -led her into believing her credit file wouldn’t be affected when she entered a debt management plan (DMP) with it. What happened In 2014 Miss R contacted Bridgewater for advice in relation ... (4 pages)View decision -
Decision Reference DRN3653866
29 Mar 2017 MBNA Limited Not upheldBanking and creditMr T complains that MBNA Limited has not treated him fairly, in that it sold his debt to a third party earlier than he had expected, and without telling him, as it had said it would do. He would like MBNA to buy the debt back from the third party and allow him to... (2 pages)View decision -
Decision Reference DRN1042585
4 Oct 2018 Cheltenham & Gloucester plc Not upheldBanking and creditMr and Mrs S complain that Cheltenham & Gloucester plc (“C & G”) mis-sold them further advances under their mortgage to them when this wasn’t suitable to meet their needs. They want matters put right. backgroundMr and Mrs S had an interest only mortgage with ... (2 pages)View decision -
Decision Reference DRN8926548
10 Jan 2014 MKDP LLP Not upheldBanking and creditMr B complains that MKDP LLP is pursuing him for a debt, but has failed to provide him with necessary information about that.background In 2008 Mr B took out a loan with another business which I shall call C. In 2010, when Mr B had significant arrears on the account, C sold the debt t... (2 pages)View decision -
Decision Reference DRN0396472
20 Mar 2015 Lowell Financial Ltd Not upheldBanking and creditMr F complains that Lowell Financial Ltd has wrongly placed a default on his credit file.backgroundMr F had a debt with his bank that he did not pay. The bank defaulted the account and recorded this on Mr F’s credit file. Mr F explains that the debt was in dispute... (1 page)View decision -
Decision Reference DRN-2566872
8 Feb 2021 MBNA Limited UpheldBanking and PaymentsDRN-2566872 The complaint Mrs T complains that MBNA Limited has defaulted her credit card debt, although she says that she’d agreed a payment plan with MBNA. Mr T brings this complaint on her behalf. What happened Mr T said that Mrs T had reached an agreement with MBNA to pay off her cred... (3 pages)View decision -
Decision Reference DRN1782118
21 Sep 2015 MKDP LLP Not upheldBanking and creditMr B complains that MKDP LLP is chasing him for a debt he doesn’t owe. It has not provided the information he’s asked it for to show that it is the debt owner. Further he says the way that it has contacted him is inappropriate.our initial conclusionsOur adjudicato... (2 pages)View decision -
Decision Reference DRN-4947346
14 Nov 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4947346 The complaint Miss H complains about the way that Creation Consumer Finance Limited has dealt with the payments due from her under a hire purchase agreement. What happened A used car was supplied to Miss H under a hire purchase agreement with Creation Consumer Finance that s... (3 pages)View decision -
Decision Reference DRN-5421696
24 Mar 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5421696 The complaint Mrs W complains Cabot Credit Management Group Limited have contacted her regarding a debt for an account she doesn’t believe they have authority to do so. Mrs W is also concerned that she’s told Cabot she’s vulnerable, but they’ve continued contacting her when ... (4 pages)View decision
