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 DRN9999799
14 Oct 2013 Credit Solutions Limited Not upheldBanking and creditMrs A complains that Credit Solutions Limited gave her conflicting advice on the amount she would need to pay to settle an outstanding debt.background Mrs A had an outstanding balance on a credit card. The card provider passed the debt to Credit Solutions. Mrs A was expecting a paymen... (2 pages)View decision -
Decision Reference DRN8507771
22 Dec 2016 Harrington Brooks (Accountants) Limited Not upheldBanking and creditMr P complains that he wasn’t provided with satisfactory advice about his debt management options when he took out a debt management plan (“DMP”), with a third party (“T”). The DMP was then passed to Harrington Brooks (Accountants) Limited, trading as Harrington Debt Man... (2 pages)View decision -
Decision Reference DRN-3971660
21 Feb 2023 Evolution Money Limited Not upheldMortgagesDRN-3971660 The complaint Miss G’s complaint is about a second charge mortgage she has with Evolution Money Limited. She says the loan was unaffordable and considers Evolution lent irresponsibly as it inappropriately took money she received from other people living in her property into acc... (3 pages)View decision -
Decision Reference DRN-5496151
15 Jul 2025 Cabot Credit Management Group Limited UpheldConsumer CreditDRN-5496151 The complaint Miss D complains Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited: Have been contacting her about a debt that’s already been paid Are harassing her about this debt Haven’t provided her with documents she’s asked for Are ... (4 pages)View decision -
Decision Reference DRN2396949
18 Apr 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMiss B complains that AvantCredit of UK, LLC engaged in unaffordable lending to her.backgroundMiss B says AC didn’t ask her for a full breakdown of her expenditure. She says in the three months before the loan was issued she’d opened three new credit accounts, i... (2 pages)View decision -
Decision Reference DRN6995202
17 Apr 2018 NewDay Ltd UpheldBanking and creditMiss R complains that NewDay Ltd harassed her for outstanding payments. backgroundMiss R had four debts with NewDay and with the help of a debt management agency she had entered into repayment arrangements. She changed to another debt management agency and it offered ... (2 pages)View decision -
Decision Reference DRN-1872894
29 May 2020 Euler Hermes SA/NV Not upheldInsuranceDRN-1872894The complaintMr R is a director of a limited company I'll refer to as N. He's complained on N's behalf that Euler Hermes SA/NV turned down a claim on N's credit insurance policy. Mr R has been represented by Mr H in bringing this complaint. For ease of readin... (3 pages)View decision -
Decision Reference DRN-1456617
4 May 2020 Moorcroft Debt Recovery Limited Not upheldConsumer CreditDRN-1456617The complaintMr D complains that Moorcroft Debt Recovery Limited treated him unfairly as they wouldn't accept the settlement amount, he sent them. What happenedMr D owed around £14,000 to a lender who I’ll refer to as “N”. N instructed Moorcroft to collect the outstanding b... (3 pages)View decision -
Decision Reference DRN0971741
6 Aug 2019 NewDay Ltd UpheldBanking and creditMr P complains that NewDay Ltd (T/A Aqua) passed his account to a debt collection agency after agreeing a payment plan with him. backgroundMr P opened his credit card account with Aqua in January 2014. In May 2018 he contacted it to explain he was experiencing financial hardship. A reduced... (3 pages)View decision -
Decision Reference DRN-3991331
28 Feb 2023 Arval UK Limited UpheldConsumer CreditDRN-3991331 The complaint Mr M is unhappy with how Arval UK Limited (Arval) handled his request to voluntary terminate a hire agreement. Mr M has been represented by Mrs M in this complaint. For ease of reference I’ll refer only to Mr M. What happened In September 2017, Mr M was supplied w... (4 pages)View decision
