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 71923 results
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Decision Reference DRN-3557369
29 Jun 2022 Freemans Plc UpheldConsumer CreditDRN-3557369 The complaint Mr C says Freemans Plc irresponsibly lent to him. What happened Mr C took out three catalogue shopping account from Freemans in April 2017, July 2017 and February 2018. He received a number of credit limit increases on all three accounts. When the accounts fell in... (3 pages)View decision -
Decision Reference DRN9768917
7 Nov 2014 HSBC Bank plc Not upheldBanking and creditMr C complains that HSBC Bank Plc has wrongly recorded a default about his current account with credit reference agencies. He says he never received a final demand or notice of default. Mr C wants HSBC to remove the default from his credit file.backgroundDates are central to this compla... (2 pages)View decision -
Decision Reference DRN-5045342
25 Feb 2025 J D Williams & Company Limited Not upheldConsumer CreditDRN-5045342 The complaint Mr M has complained J D Williams & Company Limited, trading as Jacamo, is holding him liable for a debt for a catalogue account he didn’t take out. What happened Mr M started getting letters from a debt collection agency about an outstanding debt of over £1... (2 pages)View decision -
Decision Reference DRN-3882406
22 Mar 2023 Motorpoint Limited Not upheldConsumer CreditDRN-3882406 The complaint Mr W complains that Motorpoint Limited hasn’t provided the correct settlement to his complaint following the rejection of his car. What happened Mr W entered into a finance agreement to acquire a car from Motorpoint Limited in March 2017. This finance agreement wa... (2 pages)View decision -
Decision Reference DRN-2368335
22 Jan 2021 Cabot Credit Management Group Limited Not upheldBanking and PaymentsDRN-2368335 The complaint Mr W complains that Cabot Credit Management Group Limited obtained a County Court Judgment (CCJ) against him when it shouldn’t have done so. What happened Mr W is unhappy that Cabot incorrectly applied a CCJ on his credit file five years ago. He says that he only... (2 pages)View decision -
Decision Reference DRN7113749
20 Feb 2018 Clydesdale Bank Plc Not upheldBanking and creditMr G complains that Clydesdale Bank Plc (trading as Yorkshire Bank) reported incorrect information to credit reference agencies when his current account debt was sold. As a result he says he’s been declined a credit card and car loan.To settle the complaint, M G wan... (2 pages)View decision -
Decision Reference DRN6247723
11 Apr 2014 Provident Personal Credit Limited Not upheldBanking and creditMrs K complains, in summary, that Provident Personal Credit Limited (“Provident”) is pursuing her for a court debt which she knows nothing about. She also said it made her sign a waiver form but did not leave a copy with her. When she received a copy, the signature on the form was not ... (2 pages)View decision -
Decision Reference DRN4946358
4 Nov 2015 Haydon Associates Debt Management Consultants Ltd UpheldBanking and creditMr and Mrs O have complained about the charges Haydon Associates Debt Management Consultants Ltd (trading as Resolve Money Matters) applied to their debt management plan (DMP).our initial conclusionsOur adjudicator recommended that the complaint should be upheld, and that M... (2 pages)View decision -
Decision Reference DRN5364844
1 Aug 2014 First Data Europe Limited Not upheldBanking and creditMr J runs a business and complains that First Data Europe Limited (First Data) unfairly closed his merchant account for card payments. Mr J is represented in this complaint by his wife, Mrs J. backgroundIn 2012 Mr J opened a merchant account with First Data so that his business could re... (2 pages)View decision -
Decision Reference DRN-4966691
28 Aug 2024 Evolution Lending Limited UpheldMortgagesDRN-4966691 The complaint Mr C and Mrs C complain that Evolution Lending Limited (Evolution) lent to them irresponsibly. What happened Mr C was referred to Evolution by a broker who is not a respondent to this complaint. He was initially seeking a £10,000 loan in his sole name across a ... (6 pages)View decision
