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 119592 results
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Decision Reference DRN-3341638
1 Mar 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3341638 The complaint Miss L complains that Everyday Lending Limited trading as Trusttwo shouldn’t have allowed her to be a guarantor for two loans. What happened In December 2018, Miss L agreed to stand as a guarantor for a loan of £2,000 that Ms P had with Trusttwo. The loan was to b... (4 pages)View decision -
Decision Reference DRN-3341643
1 Mar 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3341643 The complaint Mr C complains Oakbrook Finance Limited trading as Likely Loans didn’t complete reasonable and proportionate checks before approving him for two loans. What happened Mr C was approved for two loans with Likely Loans in October 2016 and July 2018. Our investigator ... (6 pages)View decision -
Decision Reference DRN-3147917
1 Mar 2022 Barclays Bank UK PLC UpheldInsuranceDRN-3147917 The complaint Mr H has complained about the redress offered to him by Barclays Bank UK PLC (‘Barclays’) for the mis-sale of payment protection insurance (‘PPI’) on his personal overdraft. He’s also dissatisfied with Barclays’ response to his queries about other charges showing ... (3 pages)View decision -
Decision Reference DRN-3295951
1 Mar 2022 Morses Club PLC UpheldConsumer CreditDRN-3295951 The complaint Ms B, through her representative, complains that Morses Club PLC, lent to her irresponsibly. What happened Using information provided by Morses, here is a brief table of the approved loans. Morses has given consent for us to review loans 1 and 2 as well as 3 and ,... (4 pages)View decision -
Decision Reference DRN-3283629
1 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3283629 Complaint Miss P has complained that Madison CF UK Limited (trading as “118 118 Money”) provided her with an unaffordable loan. Background 118 118 Money provided Miss P with a loan of £2,000.00 in July 2017. This loan had an APR of 99.9% and a 24-month term. This all meant the ... (4 pages)View decision -
Decision Reference DRN-3032132
1 Mar 2022 1plus1 Loans Limited UpheldConsumer CreditDRN-3032132 Complaint Mrs S has complained that 1plus 1 Loans Limited (trading as “1plus 1 Loans”) provided her with an unaffordable guarantor loan. Background 1plus 1 Loans provided Mrs S with a loan of £5,000.00 in October 2017. This loan had an APR of 46.9% and a 60-month term. This all... (5 pages)View decision -
Decision Reference DRN-3247185
28 Feb 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3247185 The complaint Mr M complains that a car acquired with finance from BMW Financial Services (GB) Limited trading as BMW Financial Services wasn’t of satisfactory quality. What happened In May 2021 Mr M was supplied with a car and entered into a hire purchase agreement with BMWFS.... (2 pages)View decision -
Decision Reference DRN-3284813
28 Feb 2022 West Bay Insurance Plc UpheldInsuranceDRN-3284813 The complaint Mr G complains that West Bay Insurance Plc (formerly Zenith Insurance Plc) mishandled a claim on his motor insurance policy. Where I refer to Zenith, I include the intermediary and others insofar as I hold Zenith responsible for their acts or omissions. What happe... (4 pages)View decision -
Decision Reference DRN-3299193
28 Feb 2022 Black Horse Limited UpheldConsumer CreditDRN-3299193 The complaint Mr J complains that a car acquired with finance from Black Horse Limited trading as Jaguar Financial Services wasn’t of satisfactory quality. What happened In September 2019 Mr J was supplied with a car and entered into a personal contract purchase agreement with ... (3 pages)View decision -
Decision Reference DRN-3148470
28 Feb 2022 Santander UK Plc UpheldBanking and PaymentsDRN-3148470 The complaint Mr H complains that Santander UK Plc (“Santander”) failed to make reasonable adjustments for him, treated him unfairly during his visits to his local branch and has discriminated against him. What happened Mr H went into his local Santander branch on 9 September 2... (13 pages)View decision
