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 139 results
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Decision Reference DRN-4487175
21 Dec 2023 Amigo Loans Ltd Not upheldConsumer CreditDRN-4487175 The complaint Mr D complains that Amigo Loans Ltd (‘Amigo’) incorrectly reported his loan as active to the credit reference agencies after he had repaid it. He is also unhappy Amigo reported a missed payment on his account when he was making payments under an arrangement. What ... (3 pages)View decision -
Decision Reference DRN-2293436
24 Mar 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2293436 The complaint Mr M is unhappy that Amigo Loans Ltd applied missed payment markers to his credit file rather than a default. What happened In January 2014, Mr M took out a loan with Amigo. The loan was for £4,000 payable over 12 months, the monthly repayment being £412.33 at an ... (2 pages)View decision -
Decision Reference DRN-2701025
22 Mar 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2701025 Complaint Mr N has complained that Amigo Loans Ltd (“Amigo”) shouldn’t have accepted him as a guarantor on a loan provided to a borrower (“the borrower”). Mr N says the responsibilities of being a guarantor weren’t properly explained to him as he thought he was only responsible... (3 pages)View decision -
Decision Reference DRN-2667574
9 Mar 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2667574 Complaint Miss M is unhappy with the way Amigo Loans Limited (“Amigo”) put things right after it upheld her complaint about it irresponsibly providing her with a guarantor loan. She’s unhappy with the way it has treated the payments made by her guarantor. Background Miss M com... (4 pages)View decision -
Decision Reference DRN-2656830
5 Mar 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2656830 The complaint Mr G complains that Amigo Loans Ltd was irresponsible to lend to him. What happened Mr G took out three loans with Amigo loans between April 2017 and June 2017 as follows: Loan Date Amount Term Repayment Repaid 1 17 Apr 2017 £500 12m £51.53 With loan 2 2 26 May 20... (3 pages)View decision -
Decision Reference DRN-2567464
25 Feb 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2567464 The complaint Miss L complains Amigo Loans Ltd irresponsibly lent to her. She says Amigo did not complete proper checks before lending to her; and had it done so it would realise the loan was unaffordable to her. What happened Amigo approved Miss L for the below loan: Date Cap... (3 pages)View decision -
Decision Reference DRN1820564
19 Feb 2021 Amigo Loans Ltd UpheldBanking and creditMr and Mrs S complain that Amigo Loans Ltd was irresponsible when it agreed to lend to Mr S and accept Mrs S as the guarantor of the loan. background Mr S was given a single loan by Amigo. He borrowed £3,000 in August 2017 that he agreed to repay in 60 monthly instalments. Mrs S agreed to ... (4 pages)View decision -
Decision Reference DRN7142620
16 Feb 2021 Amigo Loans Ltd Not upheldBanking and creditComplaint Mr T has complained that Amigo Loans Ltd (“Amigo”) acted irresponsibly by accepting his loan application because he couldn’t afford the repayments. Background Amigo provided Mr T with a loan for £4,000 in April 2014. It was repayable over 24 months. The monthly repayments were £2... (15 pages)View decision -
Decision Reference DRN-1747571
8 Feb 2021 Amigo Loans Ltd Not upheldConsumer CreditDRN-1747571 The complaint Mr C complains that Amigo Loans Ltd was irresponsible to allow him to be a guarantor. What happened Mr C was the guarantor on a £5,000 fixed sum loan taken out on by his son on 22 February 2019. The loan was to be repaid over 12 months at £515.29 per month. Mr C s... (4 pages)View decision -
Decision Reference DRN-2518391
2 Feb 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2518391 The Complaint Miss S has complained that Amigo Loans Ltd (“Amigo”) provided her with two unaffordable guarantor loans. She says that, if Amigo had carried out the right checks before providing her with the loans, it would have found that the loans were unaffordable for her. Bac... (28 pages)View decision