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 855 results
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Decision Reference DRN-3435865
25 Apr 2022 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-3435865 The complaint Miss M complains that Moneybarn No. 1 Limited irresponsibly granted her a conditional sale agreement she couldn’t afford to repay. Miss M is represented by family members but for ease of reference I have referred to Miss M throughout this decision. What happened I... (3 pages)View decision -
Decision Reference DRN7966728
22 Apr 2013 Lombard Vehicle Management (1) Limited UpheldBanking and creditMr B is represented by his parents. Mr B’s parents complain that Lombard engaged in irresponsible lending in relation to a conditional sale agreement on a new car. Mr B has been diagnosed with Asperger’s syndrome and says he was unduly pressured into the purchase by a third party. Mr B... (4 pages)View decision -
Decision Reference DRN-3502074
8 Jul 2022 Mallard Leasing Limited UpheldConsumer CreditDRN-3502074 The complaint Mr W complains that the car supplied to him through a hire purchase agreement with Mallard Leasing Limited wasn’t of satisfactory quality. He also complains that Mallard Leasing Limited irresponsibly granted him the agreement which he couldn’t afford to repay. Wha... (4 pages)View decision -
Decision Reference DRN-5142300
21 Nov 2024 Bank of Scotland Plc UpheldConsumer CreditDRN-5142300 The complaint Mr E has complained, via complaints management company (CMC), that Bank of Scotland plc trading as Halifax acted irresponsibly when it approved him for a £8,200 finance agreement in September 2018. Background Mr E applied for a motor finance agreement with Hali... (3 pages)View decision -
Decision Reference DRN-2762995
19 May 2021 Greenlight Credit Ltd UpheldConsumer CreditDRN-2762995 The complaint Mr S says Greenlight Credit Ltd (trading as Varooma) lent to him irresponsibly and treated him unfairly when he couldn’t repay the loan. What happened Mr S took out a 36-month loan for £4000 on 25 April 2019. The monthly repayment was £394.44 and the total repayab... (3 pages)View decision -
Decision Reference DRN-3224900
21 Dec 2021 Advantage Finance Ltd UpheldConsumer CreditDRN-3224900 The complaint Ms T complains that Advantage Finance Ltd (“Advantage”) irresponsibly granted her a loan she couldn’t afford to repay. What happened In January 2018, Ms T acquired a car and financed the deal through a hire purchase agreement with Advantage. Ms T was required to ... (3 pages)View decision -
Decision Reference DRN-4107483
8 Jun 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4107483 The complaint Mr L complains that Blue Motor Finance Ltd irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In September 2018, Mr L acquired a used car financed by a hire purchase agreement from Blue Motor Finance. Mr L was required t... (2 pages)View decision -
Decision Reference DRN-3069150
10 Nov 2021 Oplo CF Ltd UpheldConsumer CreditDRN-3069150 The complaint Mr G complains that Oplo CF Ltd (“Oplo”), trading as 1 st Stop Car Finance Limited, irresponsibly granted him a finance agreement that he couldn’t afford to repay. What happened In September 2016, Mr G acquired a used car financed by a hire purchase agreement fro... (2 pages)View decision -
Decision Reference DRN-4509509
19 Dec 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4509509 The complaint Miss S complains that Specialist Motor Finance Limited (SMF) acted irresponsibly in agreeing to lending she couldn’t afford. What happened in July 2019 Miss S entered into a Hire Purchase agreement with SMF when she acquired a car. The cash price of the car was £4... (4 pages)View decision -
Decision Reference DRN-5236132
27 Jan 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5236132 The complaint Mr M complains that the conditional sale agreement he entered into with Moneybarn No. 1 Limited trading as Moneybarn was unaffordable. He wants 50% of the remaining repayments to be waived for the distress he has been caused. What happened Mr M entered into a c... (4 pages)View decision
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