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online consumer credit resource

This section of our website is for businesses dealing with complaints about credit-related regulated actitives. It includes technical guidance and helpful links – giving information about our approach and our work since April 2007, when we were first able to look at this type of complaint.

This section may be of particular interest to:

  • advice workers (such as debt and money advisers) and
  • businesses that provide credit-related regulated activities (automatically covered by the ombudsman).

our quick guides to ...

the ombudsman and smaller businesses

this brief guide is aimed at businesses we cover that don't generally have much contact with us, because they only rarely receive complaints

consumer credit complaints - case studies

our technical notes on ...

debt collecting

this note covers complaints where a third-party debt-collection agency (ie one that is separate and distinct from the original lender) has been employed to recover a debt

goods and services bought with credit
(including section 75 and 75A

this note covers complaints where consumer protection laws make the provider of credit liable in certain circumstances for some problems with goods or services obtained using credit

financial hardship and unaffordable lending

explaining how we approach complaints involving financial hardship and unaffordable lending related to consumer debt (for example, current account overdrafts, credit card debts, loans and hire purchase)

payday lending: pieces of the picture

our insight report into payday loan problems, based on the complaints we see at the ombudsman service

information for businesses covered by the ombudsman service

quick and easy access to the most frequently-asked questions (FAQs) from small businesses - about all aspects of our process and procedures.

the official complaints-handling rules for consumer-credit businesses

This is part of our online technical resource which sets out our general approach to complaints about a wide range of financial products and issues. We would like your feedback on how helpful you found it. Please also use the feedback form below to tell us about anything you think we could clarify or explain better.