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 4717 results
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Decision Reference DRN-4960308
12 Aug 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4960308 The complaint Mr L complains that Moneybarn No. 1 Limited (Moneybarn) irresponsibly entered into a conditional sale agreement with him. Mr L is bringing this complaint with the help of a representative, but for ease I’ll refer to Mr L throughout this provisional decision. Wh... (5 pages)View decision -
Decision Reference DRN7127166
21 Dec 2020 Everyday Lending Limited Not upheldBanking and creditMr W complains that Everyday Lending Limited (“ELL”) lent to him in an irresponsible manner. background Mr W was given a single loan by ELL in April 2008. He borrowed £750 and agreed to repay the loan in twelve monthly instalments. Mr W does appear to have faced some problems making his re... (3 pages)View decision -
Decision Reference DRN-2707817
19 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2707817 The complaint Mr G complains that NewDay Ltd lent to him irresponsibly through two credit card accounts they gave him. He feels this led to him getting into a spiral of debt and having to go onto a debt management plan. What happened In November 2013 Mr G applied for a credit c... (4 pages)View decision -
Decision Reference DRN-5358021
13 Mar 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5358021 The complaint Mr L complains that STARTLINE MOTOR FINANCE LIMITED (“Startline”) didn’t carry out proportionate checks before lending and had it done so it would’ve seen the agreement wasn’t affordable. What happened In March 2021, Startline provided Mr L with a hire purchas... (4 pages)View decision -
Decision Reference DRN5393516
10 Aug 2018 Uncle Buck Finance LLP UpheldBanking and creditMr M complains Uncle Buck Finance LLP (“UBF”) lent to him irresponsibly.backgroundThe background to Mr M’s complaint, and my preliminary findings on it, can be found in my provisional decision which is attached to and forms a part of this final decision.In brief howev... (6 pages)View decision -
Decision Reference DRN3101038
3 Sep 2019 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd (trading as Aqua) was irresponsible when it increased the credit limit on his credit card account. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 13 August 2019 – a copy of which is attach... (5 pages)View decision -
Decision Reference DRN7489925
3 Jul 2013 Santander UK Plc UpheldBanking and creditMr G complains that Santander UK Plc lent to him irresponsibly, because it gave him an overdraft facility without carrying out proper checks when he had a gambling addiction. He also complains about the bank’s handling of the complaint and the interest and charges that were added to the ... (3 pages)View decision -
Decision Reference DRN-4494584
12 Jan 2024 Everyday Lending Limited Not upheldConsumer CreditDRN-4494584 The complaint Mr M complains that Everyday Lending Limited trading as Everyday Loans irresponsibly gave him a loan that he couldn’t afford. For simplicity I will refer to the business as ‘Everyday’ during this decision. Mr M is represented in this complaint. For simplicity I wi... (3 pages)View decision -
Decision Reference DRN-4569335
6 Feb 2024 FUND OURSELVES LIMITED Not upheldConsumer CreditDRN-4569335 The complaint Mr M complains FUND OURSELVES Limited trading as Fund Ourselves (“Fund Ourselves”) gave him loans he couldn’t afford due to him having several other large loans outstanding at the time. What happened A summary of Mr M’s borrowing can be found below loan number loa... (4 pages)View decision -
Decision Reference DRN-2869515
24 Aug 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2869515 The complaint Miss H is unhappy that Madison CF UK Limited trading as 118 118 Money agreed to a loan she’d applied for as she said it was unaffordable for her. What happened In August 2019, Miss H took out a £2,000 loan with 118 118, to be repaid over 24 months with repayments ... (4 pages)View decision
