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 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 DRN8103105
9 Jan 2018 Lending Stream Llc UpheldBanking and creditMr H complains that Lending Stream LLC gave him unaffordable instalment loans. He wants a refund of his interest and charges.backgroundMr H had ten loans from Lending Stream between January 2015 and May 2016. He said it didn’t carry out proper checks that he could af... (2 pages)View decision -
Decision Reference DRN9017513
22 Jan 2020 Evergreen Finance London Ltd Not upheldBanking and creditMr H says Evergreen Finance London Limited, trading as MoneyBoat.co.uk (MoneyBoat), lent to him irresponsibly. backgroundMr H had five loans with MoneyBoat which are set out below. An adjudicator considered the complaint and didn’t think it should be upheld. Mr H didn’t agree with the adju... (3 pages)View decision -
Decision Reference DRN4107809
15 Feb 2018 NewDay Ltd UpheldBanking and creditMr W complains that it was irresponsible for NewDay Limited to give him a credit card and then to increase his credit limit.backgroundMr W opened a credit card account with NewDay in 2014. Later that year he entered into a debt management plan and NewDay sold his acco... (2 pages)View decision -
Decision Reference DRN-3957365
24 Feb 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3957365 The complaint Mr M complains that Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance, irresponsibly lent to him. What happened Mr M took out a 36-month fixed sum loan for £4,000 from Novuna in October 2017. The monthly repayments were £184.56 and the total repayab... (2 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-3972215
23 Jun 2023 Go Car Credit Limited Not upheldConsumer CreditDRN-3972215 The complaint Mr P complains that Go Car Credit Limited (“Go Car”) lent to him irresponsibly through a hire purchase agreement to acquire a car. What happened Mr P acquired a car through a hire purchase agreement with Go Car in late 2021. In June 2022 he contacted Go Car to com... (4 pages)View decision -
Decision Reference DRN4898929
25 Jan 2018 DJS (UK) Limited Not upheldBanking and creditMr D complains that DJS (UK) Limited (trading as Piggybank) lent to him irresponsibly.backgroundMr D took out an £800 instalment loan with Piggybank in September 2017. He says that had Piggybank carried out adequate checks it would not have lent to him. He says that ... (2 pages)View decision
