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 4726 results
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Decision Reference DRN-3084119
10 Nov 2021 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-3084119 The complaint Mr M complains that N.I.I.B. Group Limited trading as Northridge Finance irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In January 2016, Mr M acquired a used car financed by a hire purchase agreement from Northridge ... (2 pages)View decision -
Decision Reference DRN9918885
29 Dec 2016 Lending Stream Llc UpheldBanking and creditMr P complains that Lending Stream LLC gave him unaffordable instalment loans. He wants a refund of the interest he paid, with interest, and for the loans to be removed from his credit file.backgroundMr P had 11 instalment loans from Lending Stream between 2013 and 201... (2 pages)View decision -
Decision Reference DRN-4107483
8 Jun 2023 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4107483 The complaint Mr L complains that Blue Motor Finance Ltd irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In September 2018, Mr L acquired a used car financed by a hire purchase agreement from Blue Motor Finance. Mr L was required t... (2 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-1945030
10 Jul 2020 PDL Finance Limited UpheldConsumer CreditDRN-1945030 The complaintMiss J complains that PDL Finance Limited (trading as ‘Mr Lender’) acted irresponsibly when lending to her. What happenedBetween July 2018 and March 2019 Mr Lender provided Miss J with four loans. Here’s a table setting out details of those loans:LoanDate Taken Da... (4 pages)View decision -
Decision Reference DRN-5020302
23 Sep 2024 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5020302 Complaint Mr V complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In January 2019, Oodle provided Mr V... (3 pages)View decision -
Decision Reference DRN2997536
7 Dec 2018 Uncle Buck Finance LLP UpheldBanking and creditMr S complains that Uncle Buck Finance LLP, trading as Uncle Buck, ("UBF"), gave himloans that he couldn’t afford to repay. The complaint is brought to this service by a claimsmanagement company but for ease I shall refer below to all actions being taken ... (6 pages)View decision -
Decision Reference DRN7879591
15 Nov 2019 Avantcredit Of Uk, Llc Not upheldBanking and creditMr L complains that AvantCredit of UK, LLC gave him a loan he couldn’t afford.backgroundIn 2016 Mr L got a fixed sum loan for £3,000 with AvantCredit. It was repayable over 35 months. Mr L’s monthly repayments were £133.52.Mr L says he couldn’t afford the loan, so AvantCredit shouldn’t hav... (2 pages)View decision -
Decision Reference DRN5184641
19 Mar 2018 UK Credit Limited Not upheldBanking and creditMr S has complained UK Credit Ltd trading as UK Credit, lent him money irresponsibly.backgroundIn 2013 Mr S took out a loan to repay some existing debts. Miss S guaranteed his debt.He complained that UKC was irresponsible in lending to him. He says he had existing ... (2 pages)View decision -
Decision Reference DRN-5256766
23 Jan 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5256766 The complaint Mr S complains that Capital One (Europe) plc lent irresponsibly when it approved his credit card application. What happened Mr S applied for a credit card with Capital One in June 2023. In his application, Mr S said he was employed with an income of £32,500. M... (3 pages)View decision
