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-2514452
1 Feb 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2514452 Complaint Miss B has complained that Amigo Loans Limited (trading as “Amigo”) irresponsibly provided her with unaffordable guarantor loans. She says that if more detailed income and expenditure questions had been asked this would have shown she wouldn’t have been able to make t... (5 pages)View decision -
Decision Reference DRN-2309299
28 Jan 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2309299 The complaint Mr M complains that Amigo Loans Ltd lent to him in an irresponsible manner. What happened Mr M was given two loans by Amigo in February and June 2018. His first loan, for £4,000, was repaid around a month into the planned three-year term. His second loan, for £7,5... (3 pages)View decision -
Decision Reference DRN-2359798
27 Jan 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2359798 Complaint Miss H has, amongst other things, complained that Amigo Loans Limited (“Amigo”) provided her with an unaffordable guarantor loan. Background Amigo provided Miss H with a guarantor loan in November 2016 and one in March 2018. Miss H has confirmed she’s not complaining... (5 pages)View decision -
Decision Reference DRN-2511754
15 Jan 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2511754 The complaint Mr D is unhappy that Amigo Loans Limited (Amigo) gave him two loans in 2018. He said that if Amigo had completed more thorough affordability checks it would’ve seen that he wasn’t in a position to manage the repayments. What happened In February 2018, Mr D applied... (12 pages)View decision -
Decision Reference DRN-2495487
12 Jan 2021 Amigo Loans Ltd UpheldConsumer CreditDRN-2495487 Complaint Miss E has complained that Amigo Loans Ltd (“Amigo”) provided her with a number of guarantor loans which she was unable to afford. She says she repeatedly struggled to keep up with the payments, which resulted in further borrowing. Miss E says that if Amigo had carrie... (33 pages)View decision -
Decision Reference DRN-2224981
19 Nov 2020 Amigo Loans Ltd Not upheldConsumer CreditDRN-2224981 The complaint Miss M believes Amigo Loans Ltd acted irresponsibly by agreeing two loans she’d applied for. What happened In November 2013 Miss M took out a £3,500 loan with Amigo, to be repaid over 36 months with repayments of £187.84 a month. In April 2015 she took out another... (3 pages)View decision -
Decision Reference DRN-2184851
17 Sep 2020 Amigo Loans Ltd UpheldConsumer CreditDRN-2184851The complaintMrs H is unhappy about two loans she had with Amigo Loans Ltd. She says Amigo didn’tproperly check whether she could afford the repayments and shouldn’t have lent to her.What happenedIn May 2015, Mrs H applied for a loan with Amigo. And she applied again, in July 20... (3 pages)View decision -
Decision Reference DRN-2081344
17 Aug 2020 Amigo Loans Ltd UpheldConsumer CreditDRN-2081344The complaintMs G is unhappy about a loan she acted as a guarantor on with Amigo Loans Ltd. She says Amigo didn’t properly check whether she could afford the repayments in the event she was required to make them under the guarantee. What happenedIn November 2018, Ms G said she a... (3 pages)View decision -
Decision Reference DRN-1622291
24 Jul 2020 Amigo Loans Ltd Not upheldConsumer CreditDRN-1622291 The complaintMrs J has complained that Amigo Loans Ltd (“Amigo”) did not carry out proper checks before granting her an unaffordable loan. Mrs J would like her loan to be written off. What happenedMrs J took out a loan with Amigo in October 2018, borrowing £10,000, to be repai... (2 pages)View decision -
Decision Reference DRN-1615352
7 May 2020 Amigo Loans Ltd Not upheldConsumer CreditDRN-1615352The complaintMr M complains that Amigo Loans Ltd failed to set up a direct debit to collect a payment or give him its bank details, so he could transfer the payment to it. As a result, Mr M missed the loan payment that was due. He says that Amigo threatened and harassed him - an... (3 pages)View decision