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 5125 results
-
Decision Reference DRN6669284
2 Oct 2019 Global Kapital Group Ltd UpheldBanking and creditMr E complains that Global Kapital Group Ltd (trading as myKredit) lent to him in an irresponsible manner.backgroundMr E was given seven loans by myKredit between May 2017 and June 2018. Most of the loans were scheduled to be repaid in two or three monthly instalments. Mr E appears to have... (4 pages)View decision -
Decision Reference DRN-5186480
17 Apr 2025 Black Horse Limited Not upheldConsumer CreditDRN-5186480 The complaint Mr L, who is represented by a third party, complains that Black Horse Limited (‘Black Horse’) irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In September 2016 Mr L acquired a car financed by way of a hire purchas... (4 pages)View decision -
Decision Reference DRN-2909011
5 Jul 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2909011 The complaint Mr M is unhappy that Loans 2 Go Limited approved him for a loan which he feels was unaffordable for him at that time. What happened In December 2018, Mr M applied for a loan with Loans 2 Go. His application was approved, and Mr M received the loan funds later that... (4 pages)View decision -
Decision Reference DRN-5359456
3 Mar 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5359456 Complaint Mr M complains that Startline Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said he shouldn’t have been lent to given his previous credit history. Background In September 2017, SMF provided Mr M with finance for a us... (3 pages)View decision -
Decision Reference DRN9363696
22 May 2017 IG Index Limited Not upheldInvestment and pensionsMr F’s complaint is about the administration of his spread betting account with IG Index Limited. IG closed three positions he held in GBP/USD. Mr F is unhappy IG closed his positions causing a large loss. Mr F thinks he had guaranteed stop loss orders which should ... (2 pages)View decision -
Decision Reference DRN-5283115
21 Feb 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-5283115 The complaint Mr N says Starling Bank Limited (“Starling”) refuses to refund him for transactions on his account he says he didn’t authorise. What happened The facts of this case are well known to both parties, so I won’t repeat them in detail here. In summary, Mr N has disp... (2 pages)View decision -
Decision Reference DRN-2853427
8 Jun 2021 PDL Finance Limited Not upheldConsumer CreditDRN-2853427 The complaint Mr L complains that PDL Finance Limited, trading as Mr Lender, lent to him irresponsibly. What happened Using information provided by PDL and Mr L, here is a brief table showing the approved loans. It has been amended since my last provisional decision dated 7 May... (6 pages)View decision -
Decision Reference DRN-5273558
27 Jan 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5273558 Complaint Mr D complains that Stellantis Financial Services UK Limited (trading as “Vauxhall Finance”) unfairly entered into a conditional sale agreement with him. The finance was provided under the GMAC trading name and so for the sake of clarity, I’ve referred to GMAC thr... (4 pages)View decision -
Decision Reference DRN-5553646
12 May 2025 Tesco Personal Finance Limited UpheldBanking and PaymentsDRN-5553646 The complaint Mr G complains that Tesco Personal Finance Limited trading as Tesco Bank lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set ou... (3 pages)View decision -
Decision Reference DRN-5651739
29 Sep 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5651739 The complaint Mr M complains that Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) Irresponsibly approved finance for him which was unaffordable. What happened In September 2021, Mr M acquired a used car financed through a Hire Purchase Agreement (HPA) w... (4 pages)View decision
