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 69825 results
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Decision Reference DRN-1864807
29 May 2020 BW Legal Services Limited UpheldConsumer CreditDRN-1864807The complaintMr J complains that BW Legal Services Limited pursued him for a debt that wasn’t his. He’s also unhappy that incorrect information was recorded on his credit file. Mr J’s father has been dealing with the complaint on his behalf. For ease, I’ll refer to anything he’s... (5 pages)View decision -
Decision Reference DRN3374131
25 Nov 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMrs K complains that a financial management plan was mis-sold to her and hasn’t been administered properly by Harrington Brooks (Accountants) Limited.backgroundMrs K entered into a financial management plan with a debt management company in October 2014. The debt managem... (2 pages)View decision -
Decision Reference DRN6100093
28 Oct 2015 Clear View Finance Limited UpheldBanking and creditMr C complains Clear View Finance Limited didn’t make all the monthly payments to his creditors that it agreed to make.backgroundMr C entered into a combined debt management and reduction plan with Clear View in 2012. Clear View said it would attempt to secure an overa... (2 pages)View decision -
Decision Reference DRN2510596
19 Oct 2015 Moorcroft Debt Recovery Limited Not upheldBanking and creditMr G has a store card, the provider of which has instructed Moorcroft Debt Recovery Limited to act as its agent. Moorcroft is seeking to recover from Mr G a debt linked by the provider to this account. Mr G complains that he is being harassed by Moorcroft, and that it ... (2 pages)View decision -
Decision Reference DRN0961682
14 Oct 2015 Wescot Credit Services Limited Not upheldBanking and creditMrs F complains that Wescot Credit Services Limited says she has an outstanding debt, even though she was told in 2014 that she owed nothing.backgroundMrs F had a debt with a bank which was eventually assigned to A, a limited company. A asked R, debt collection compa... (1 page)View decision -
Decision Reference DRN7725839
6 Aug 2019 Shoosmiths LLP Not upheldBanking and creditMr C complains that Shoosmiths LLP have been chasing him for a debt he doesn’t believe he owes. backgroundMr C took out a personal loan from Lender A in 2005. Mr C says he’d taken out loans with Lender A prior to this too. The 2005 loan fell into arrears and Lender A started its recovery a... (2 pages)View decision -
Decision Reference DRN-2802595
29 Jun 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2802595 The complaint Mrs M complains that MBNA Limited (MBNA) lent to her irresponsibly. What happened In June 2015, Mrs M applied for a credit card with MBNA on a balance transfer offer. This was agreed with a limit of £4200. There were two limit increases and several declined reques... (3 pages)View decision -
Decision Reference DRN1463286
7 Sep 2016 Kapama Limited UpheldBanking and creditMr B complains that he took out payday loans which were unaffordable. He says the lender didn’t carry out proper checks before issuing the loans to him. He has asked Kapama Limited to refund all interest and charges and to remove details of the loans from his credit... (2 pages)View decision -
Decision Reference DRN-1910345
10 Jul 2020 Gain Credit LLC UpheldConsumer CreditDRN-1910345 The complaintMr W says Gain Credit LLC trading as Drafty lent to him irresponsibly. He says his financial situation was poor at the time of sale and a reasonable credit check would’ve shown this. He says if Drafty had made better checks then it wouldn’t have lent to him. What ... (3 pages)View decision -
Decision Reference DRN6480812
3 Sep 2018 HSBC Bank plc Not upheldBanking and creditMr and Mrs A complain that HSBC Bank Plc closed their account.backgroundMr and Mrs A told us that HSBC closed the account that they’d had for many years. They said this was costing them a lot of money. Mr and Mrs A also said that HSBC had passed their debt to colle... (6 pages)View decision
