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Western Circle Limited
Legal entity: Western Circle Ltd
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 07581337, incorporated March 2011
196banking decisions
56.6%uphold rate
85not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Irresponsible lending | 189 | 109 | 57.7% |
| Credit file reporting | 48 | 44 | 91.7% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FOS | 2025-H2 | 9.6% | — | — | 64 |
| FOS | 2025-H1 | 4.2% | — | — | 81 |
| FOS | 2024-H1 | 13.3% | — | — | 37 |
| FOS | 2023-H2 | 14.7% | — | — | 36 |
| FOS | 2021-H1 | 32.8% | — | — | 67 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.