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 4808 results
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Decision Reference DRN-3921748
24 Jan 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-3921748 The complaint Mr G complains that Tesco Personal Finance PLC irresponsibly gave him a loan that he couldn’t afford. For simplicity, I will refer to the business throughout as ‘Tesco’. What happened In May 2017, Mr G applied for a loan with Tesco. He was given a loan of £24,999 ... (4 pages)View decision -
Decision Reference DRN-4998923
19 Sep 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4998923 The complaint Mr J has complained that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) gave him a loan he couldn’t afford to repay. What happened Tesco gave Mr J a 60-month loan of £15,000 on 11 November 2023. Mr J’s monthly repayments are £396.71. The loan had a... (4 pages)View decision -
Decision Reference DRN-5300194
26 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5300194 The complaint Mr H complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr H applied for a credit card with Vanquis in April 2012. In his application, Mr H said he was employed... (4 pages)View decision -
Decision Reference DRN-3013707
7 Feb 2022 TM Advances Limited UpheldConsumer CreditDRN-3013707 The complaint Mr L is unhappy that TM Advances Limited (TMA) didn’t do enough to check that he could afford to repay a number of loans that it granted to him. Mr L is represented, but for ease I will refer only to him throughout. What happened Mr L has applied for and been gran... (7 pages)View decision -
Decision Reference DRN-3989995
20 Apr 2023 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-3989995 The complaint Mr Y believes Blue Motor Finance Ltd (‘BMF’) acted irresponsibly by agreeing a hire purchase agreement he’d applied for. What happened On 20 February 2018, Mr Y was supplied with a used car through a hire purchase agreement with BMF. He paid a deposit of £350 and ... (4 pages)View decision -
Decision Reference DRN2432102
26 Apr 2018 S.D. Taylor Limited UpheldBanking and creditComplaintMr T complains that S.D. Taylor Limited shouldn’t have given him loans as these were not affordable he wants the loans written off.backgroundMr T took out 23 loans with S.D. Taylor between 2011 and 2017, for between £280 and £1,575.totalling £9,750. He says ... (2 pages)View decision -
Decision Reference DRN1047212
28 Aug 2019 Elevate Credit International Limited UpheldBanking and creditComplaintMr E complains that Elevate Credit International Limited (trading as Sunny) lent him money that he couldn’t afford to repay.BackgroundMr E took out 17 loans with Sunny between September 2014 and July 2018. Mr E wants Sunny to refund the interest and charges that he paid together w... (4 pages)View decision -
Decision Reference DRN9331425
31 Jan 2019 NewDay Ltd UpheldBanking and creditMrs W complains that NewDay Ltd acted irresponsibly in giving her a credit card and then increasing its limit twice within nine months.background I issued my provisional decision on this case on 20 December 2018. A copy of it is attached and it forms part of this fin... (5 pages)View decision -
Decision Reference DRN-2833639
27 Jan 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-2833639 The complaint Mr Z complains that Loans 2 Go Limited irresponsibly lent to him when he took out two personal loans with it. What happened In August 2018 Mr Z borrowed £500 from Loans 2 Go. This loan was taken over a period of 18 months with a monthly repayment amount of £113.28... (3 pages)View decision -
Decision Reference DRN-4549774
5 Apr 2024 Santander UK Plc UpheldBanking and PaymentsDRN-4549774 The complaint Miss S has complained that Santander UK Plc (Santander) increased her overdraft limit without doing the right affordability checks. She says the increases were unaffordable and has asked for interest and charges incurred on the overdraft from the point her limit w... (3 pages)View decision
