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 4727 results
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Decision Reference DRN-3402135
31 Mar 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3402135 The complaint Mr M complains that Loans 2 Go Limited lent to him irresponsibly. What happened Mr M was approved for a loan on 4 June 2021 of £250 repayable at just over £13 a week for 78 weeks which is about 18 months. The total amount payable was around £1,028. Notes from Loan... (3 pages)View decision -
Decision Reference DRN3273685
27 Feb 2018 PDL Finance Limited UpheldBanking and creditMr T has complained about 11 loans which PDL Finance Limited (trading as Mr Lender) gave him between October 2014 and November 2016. Mr T says that Mr Lender shouldn’t have agreed the number of loans it gave him. He says it should’ve been clear from his lending patter... (4 pages)View decision -
Decision Reference DRN-4819572
18 Sep 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4819572 The complaint Mr P complains that Loans 2 Go Limited lent to him irresponsibly. He says that proper checks would have revealed he had arrears, he had a poor credit record and he carried out betting and gambling transactions. What happened Mr P took two loans with Loans 2 Go ... (5 pages)View decision -
Decision Reference DRN4358147
30 Oct 2017 Nationwide Building Society Not upheldInvestment and pensionsMr H complains that Nationwide Building Society’s advice to invest in a Guaranteed Equity Bond was unsuitable. Mr H is being represented by a claims management company (CMC).backgroundMr H complained that the advice to invest in the World Guaranteed Equity Bond in 1999 ... (2 pages)View decision -
Decision Reference DRN-3274376
18 Feb 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3274376 The complaint Mr B complained that Everyday Lending Limited (trading as Everyday Loans) lent to him irresponsibly and provided him with loans that were unaffordable. What happened Everyday Loans provided loans to Mr B as follows: Loan Date loan taken Date paid Capital loan amou... (5 pages)View decision -
Decision Reference DRN-4183453
4 Jul 2023 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4183453 The complaint Mr A is complaining about Specialist Motor Finance Limited’s (SMFL) decision to lend to him. What happened In March 2017, Mr A took out a hire purchase agreement with SMFL to finance the purchase of a car. He borrowed £4,295 over a 48 month term, with monthly repa... (4 pages)View decision -
Decision Reference DRN1425823
28 Sep 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr H complains about eight payday loans he took out with Express Finance (Bromley)Limited, trading as Payday Express,(“EFL”). He said that EFL shouldn’t have given him theloans as they were unaffordable. He wants the loans removed from his credit file.background Mr H t... (4 pages)View decision -
Decision Reference DRN-3517008
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3517008 The complaint Mr B complains that NewDay Ltd trading as Aqua lent to him irresponsibly when it provided him with credit limits. What happened I issued my provisional decision about this complaint on 11 May 2022. I provisionally upheld the complaint. Here’s what I said: What hap... (6 pages)View decision -
Decision Reference DRN-4189833
18 Oct 2023 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-4189833 The complaint Mr B complains Specialist Motor Finance Limited (SMFL) irresponsibly approved a hire purchase agreement which he couldn’t afford. What happened Mr B took out a hire purchase agreement with SMFL on 11 April 2019. The cash value was £7,000 and the total amount repay... (4 pages)View decision -
Decision Reference DRN-4461725
16 Nov 2023 Chetwood Financial Limited Not upheldConsumer CreditDRN-4461725 The complaint Mr G complains Chetwood Financial Limited trading as BetterBorrow irresponsibly provided him with an unaffordable loan. What happened BetterBorrow provided Mr G with a loan of £10,000 in June 2022. The loan had 84 monthly repayments of around £192 and a total repa... (4 pages)View decision
