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 71155 results
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Decision Reference DRN5876410
25 Nov 2016 Shop Direct Finance Company Limited Not upheldBanking and creditMr A has complained Shop Direct Finance Company Limited, trading as Very, is asking him to pay a debt which isn’t his. He never took out an account with them in 2009. The account name they have is for a Mrs A.backgroundMr A complained to Very they’d put a default on... (2 pages)View decision -
Decision Reference DRN4076998
18 Dec 2015 HSBC Bank plc Not upheldBanking and creditMrs B complains that HSBC Bank plc is chasing her for a debt. She thinks it is out of time to do this due to limitations set by law.backgroundMrs B says she hasn’t used the bank for more than six years and had no contact with it so it is out of time to ask her to ... (2 pages)View decision -
Decision Reference DRN-3299630
2 Mar 2022 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3299630 The complaint Mr S has complained that HSBC UK Bank Plc (“HSBC”) haven’t dealt with his credit card debt in accordance with the Financial Conduct Authority’s (FCA’s) rules for dealing with customers in persistent debt. What happened Mr S has had a credit card with HSBC for many... (2 pages)View decision -
Decision Reference DRN0870372
22 Dec 2017 Link Financial Outsourcing Limited Not upheldBanking and creditMr N complains that Link Financial Outsourcing Limited incorrectly registered a default on is credit file. backgroundIn March 2017 Mr N discovered he had a default notice on his credit file for some £8,000 registered by Link. He asked for an explanation. Link told him t... (2 pages)View decision -
Decision Reference DRN9108862
14 Oct 2016 Black Horse Limited UpheldBanking and creditMr G complains that Black Horse Limited wrongly registered a default against him on his credit file, where it remained for four years until he noticed it and got Black Horse to remove it.backgroundIn 2008, Mr G entered into a car finance agreement with Black Horse. ... (2 pages)View decision -
Decision Reference DRN-3300214
31 Mar 2022 Wescot Credit Services Limited Not upheldConsumer CreditDRN-3300214 The complaint Mr B complains about the way that Wescot Credit Services Limited has managed a debt in his name. Mr B says that poor handling of the situation has impacted on his health. What happened Wescot has been managing the collection of a debt in Mr B’s name since 2013. Th... (2 pages)View decision -
Decision Reference DRN2765366
10 Mar 2015 HSBC Bank plc Not upheldBanking and creditMr G complains that HSBC Bank Plc did not settle his companies’ debts in accordance with his wishes. As a result he is being chased for payment under a personal guarantee. He asks that the debt is written off.background Mr G was a director of two limited companies. He gave personal guara... (2 pages)View decision -
Decision Reference DRN-3116622
17 Mar 2022 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-3116622 The complaint Mr and Mrs N complain Marks & Spencer Financial Services Plc failed to comply with their request to send them copies of their credit agreements. They don’t think their debts with it are enforceable. While Mr and Mrs N bring this complaint together, I shall for... (3 pages)View decision -
Decision Reference DRN-3553128
5 Jul 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3553128 The complaint Miss D complains through her representative that AvantCredit of UK, LLC lent her money on a high cost loan she couldn’t afford to repay. What happened AvantCredit provided Miss D with a loan of £4,000 on 18 September 2015, repayable at the monthly rate of around £... (3 pages)View decision -
Decision Reference DRN8929660
30 May 2017 Cabot Financial (Europe) Limited Not upheldBanking and creditMiss F complains about the way that Cabot Financial (Europe) Limited has dealt with her debt.backgroundMiss F had a debt to a third party which was assigned to Cabot in June 2015. It obtained a judgment in default against Miss F. She complained to Cabot in November ... (2 pages)View decision
