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 119142 results
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Decision Reference DRN-3205570
8 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3205570 The complaint Mrs G has said that Everyday Lending Limited (trading as Everyday Loans) lent to her irresponsibly. Mrs G has said she was accepted for an unsecured personal loan, when Everyday should have known this wouldn’t be affordable for her. What happened In August 2019, M... (5 pages)View decision -
Decision Reference DRN-2931306
8 Mar 2022 UK Credit Limited UpheldConsumer CreditDRN-2931306 The complaint Mr R, through a representative, says UK Credit Limited lent to him irresponsibly. What happened Mr R took out a guarantor loan from UK Credit on 29 December 2015. This means it was given on the basis that he had a guarantor who would be responsible for making the ... (4 pages)View decision -
Decision Reference DRN-3262678
8 Mar 2022 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-3262678 The complaint Mrs B complains that Omni Capital Retail Finance Limited will not let her out of an arrangement to pay for an educational course for her child. What happened In November 2017 Mrs B says she was sold a ‘cancel whenever’ arrangement for an online education course fo... (5 pages)View decision -
Decision Reference DRN-3357029
8 Mar 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3357029 The complaint Mrs F is unhappy with how Creation Financial Services Limited has dealt with her request for a refund of payments she made for a sofa using her Creation credit card. Mrs F’s complaint is being dealt with by her representative, Mr F. For simplicity, I will refer t... (5 pages)View decision -
Decision Reference DRN-3265791
8 Mar 2022 Only Pets Cover Limited UpheldInsuranceDRN-3265791 The complaint Mr H's complaint is about the price of his pet insurance policy sold to him by Only Pets Cover Limited. What happened Mr H took out this policy for his dog in March 2018 for an annual premium of £353.46. At renewal in 2019, the price went up to £747.60 for th... (3 pages)View decision -
Decision Reference DRN-3271814
8 Mar 2022 PRA Group (UK) Limited UpheldBanking and PaymentsDRN-3271814 The complaint Mr G has complained that PRA Group (UK) Limited are continuing to report his account as open and outstanding after it’s been written off. What happened This complaint is about a consumer credit account that defaulted in 2017 and was sold to PRA Group in 2018. In 2... (2 pages)View decision -
Decision Reference DRN-3336198
8 Mar 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3336198 The complaint Mrs S complains that Creation Financial Services Limited trading as Creation didn’t default her credit cards in 2013. Instead it continued to charge her interest while she was in a debt management plan and her accounts defaulted in 2018 and 2020 respectively. She ... (3 pages)View decision -
Decision Reference DRN-3355019
8 Mar 2022 Monese Ltd UpheldBanking and PaymentsDRN-3355019 The complaint Mr N complains Monese Ltd unfairly held on to funds he had in his account and delayed releasing them to him. He wants compensation for the trouble he was caused. What happened In June 2020 Monese carried out a review and blocked Mr N’s account. They let him know h... (2 pages)View decision -
Decision Reference DRN-3252214
8 Mar 2022 MotoNovo Finance Limited UpheldConsumer CreditDRN-3252214 The complaint Miss M complains about the quality of a car she has been financing through an agreement with MotoNovo Finance Limited (“MotoNovo”). What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on... (3 pages)View decision -
Decision Reference DRN-3263223
8 Mar 2022 S.D. Taylor Limited UpheldConsumer CreditDRN-3263223 The complaint Mr C says S.D. Taylor Limited trading as Loans at Home (LaH) lent to him irresponsibly. He says that he couldn’t afford the loan repayments and he frequently fell behind with them. He says that LaH continued to offer him loans when it knew he was struggling. He th... (4 pages)View decision
