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 74313 results
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Decision Reference DRN5189620
17 Sep 2015 Clear View Finance Limited UpheldBanking and creditMr O has complained Clear View Finance Limited didn’t make all the monthly payments to his creditors.backgroundMr O took out a debt management plan with Clear View in 2012. He mostly paid them £325 a month and was charged £25 monthly fees. Clear View visited him at ho... (2 pages)View decision -
Decision Reference DRN5124779
31 Mar 2014 Career Finance 4 Trade Skills Limited UpheldBanking and creditMrs O complains about a loan she took out with Career Finance 4 Trade Skills Limited (‘CF4TS’). She says the loan was unaffordable and that she was put under considerable pressure from a debt collection agent to make payments. backgroundMrs O took out the loan in September 2011 to pay f... (4 pages)View decision -
Decision Reference DRN-3824816
28 Nov 2022 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-3824816 The complaint Mr M complains Cabot Credit Management Group Limited trading as Cabot have treated him unfairly when attempting to collect debts he has with them. What happened I previously issued a provisional decision setting out what’d happened, and my thoughts on that. I’ve c... (5 pages)View decision -
Decision Reference DRN7634642
12 Sep 2013 MBNA Limited UpheldBanking and creditMr R is represented by his father. Mr R complains that MBNA Limited have not produced evidence of the amount of money he owes, and after being advised that he was suffering from financial difficulties and mental health issues, continued to write to him rather than his representative, and ... (3 pages)View decision -
Decision Reference DRN-3113320
20 Oct 2021 Credit Resource Solutions Ltd UpheldConsumer CreditDRN-3113320 The complaint Mr W complaints Credit Resource Solutions Ltd (CRS) haven’t treated him fairly when collecting a debt of his. What happened I issued my provisional decision setting out what’d happened, and wht I thought was a fair resolution to that. I’ve copied the relevant elem... (7 pages)View decision -
Decision Reference DRN1997754
7 Aug 2019 Legal & General Partnership Services Limited Not upheldBanking and creditMr L complains about advice he was given by AWD Home Finance Limited, a broker and appointed representative of Legal & General Partnership Services Limited. He says he was mis-sold a mortgage. A complaints management company (CMC) has brought this complaint on behalf of Mr L.background... (2 pages)View decision -
Decision Reference DRN8505160
17 Jun 2014 MBNA Limited Not upheldBanking and creditMr G had a credit card account with MBNA Limited. He complains it sold this account to a company which didn’t have a consumer credit licence. He doesn’t know who he should now be paying.backgroundMr G went into default on his credit card account with MBNA. It sold the account. MBNA i... (2 pages)View decision -
Decision Reference DRN8534547
5 Sep 2013 Bank of Scotland Plc Not upheldBanking and creditMr L complains that Bank of Scotland Plc (trading as Halifax) is pursuing him for a debt that he knows nothing about, and which it cannot prove he owes.backgroundThe debt that Halifax is asking Mr L to repay is on a current account in his name. It says that the debt was first created w... (2 pages)View decision -
Decision Reference DRN-2253094
17 Feb 2021 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2253094 The complaint Mr G complains that Cabot Credit Management Group Limited (Cabot) treated him unfairly by sending a recovery agent to his home to re-connect with him when pursuing him for a debt. What happened Mr G had a loan with a bank, who for the purposes of this decision I... (3 pages)View decision -
Decision Reference DRN3501554
7 Dec 2018 Capital One (Europe) plc Not upheldBanking and creditMs C complains that Capital One (Europe) plc didn’t make her aware that a debt on her credit card account hadn’t been written off when the account was settled in 2003. backgroundMs C said the debt is over 20 years old and she is unhappy Capital One has brought thi... (2 pages)View decision
