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 5118 results
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Decision Reference DRN-4274283
15 Aug 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4274283 The complaint Mr A complains that Mitsubishi HC Capital UK Plc irresponsibly lent to him. What happened In November 2021, Mr A applied and was accepted for a fixed sum loan agreement with Mitsubishi HC Capital UK Plc (“Mitsubishi”). The purpose of the loan was to purchase jewel... (3 pages)View decision -
Decision Reference DRN-4524178
21 Dec 2023 Lendable Ltd Not upheldBanking and PaymentsDRN-4524178 Complaint Mr M has complained about a credit card Lendable Ltd (trading as “Zable”) provided to him. He says the credit card and the subsequent credit limit increases were irresponsibly provided to him as they were unaffordable and provided while he suffered from a gambling add... (3 pages)View decision -
Decision Reference DRN-4219463
30 Jun 2023 Madison CF UK Limited Not upheldBanking and PaymentsDRN-4219463 The complaint Mr L complains that Madison CF UK Limited trading as 118 118 Money irresponsibly issued a credit card to him, which he couldn’t afford the repayments on. What happened In July 2019 Mr L successfully applied to 118 118 Money for credit card. This was issued to him,... (3 pages)View decision -
Decision Reference DRN4735879
31 May 2017 Bank of Scotland Plc Not upheldBanking and creditMrs B complains that Bank of Scotland plc (trading as Halifax) will not refund payments she says she did not authorise from her bank account.backgroundThe payments were made with Mrs B’s card. She says that she had allowed her son to use her card and PIN. She trusted ... (2 pages)View decision -
Decision Reference DRN0695457
27 Jan 2020 MYJAR Limited UpheldBanking and creditMr S complains that MYJAR Limited was irresponsible to lend to him.backgroundMr S had five 12-month instalment loans from Myjar between May 2017 and April 2018 as follows:Loan Date AmountTermMonthly Repayment DueRepaid 18 May 2017£1,825357d£270.7430 Apr 201825 Aug 201727 Sep 2017£700358d£1... (2 pages)View decision -
Decision Reference DRN5706967
9 Sep 2016 PDL Finance Limited UpheldBanking and creditMr C complains that PDL Finance Limited (trading as Mr Lender) gave him loans he couldn’t afford to repay. He asks that it writes off the debt, corrects his credit file and pays compensation. backgroundMr C took two loans from Mr Lender in November 2012 and January... (2 pages)View decision -
Decision Reference DRN-1747601
7 Jul 2020 PDL Finance Limited Not upheldConsumer CreditDRN-1747601 The complaintMr S complains that PDL Finance Limited (trading as Mr Lender) was irresponsible to lend to him. What happenedMr S had two loans from Mr Lender between June and December 2017 as follows:Loan Date AmountTermMax Monthly Repayment Due Repaid 128 Jun 2017£3006m£1061 D... (2 pages)View decision -
Decision Reference DRN-3359528
10 Mar 2022 Madison CF UK Limited Not upheldConsumer CreditDRN-3359528 The complaint Mr B has complained that Madison CF UK Limited trading as 118 118 Money was irresponsible in lending to him. What happened 118 118 Money provided Mr B with the following loans: Date taken Total Loan Term Monthly repayment Amount Borrowed Date repaid Loan 1 24/06/1... (4 pages)View decision -
Decision Reference DRN-4184140
12 Jun 2023 First Response Finance Ltd UpheldConsumer CreditDRN-4184140 The complaint Miss B complains about credit granted to her by First Response Finance Ltd. What happened First Response agreed credit of £4,642 for Miss B in April 2018 in order for her to acquire a car. The cash price of the car was £4,942. The total amount owing under the agre... (4 pages)View decision -
Decision Reference DRN5680301
25 Mar 2020 Capital One (Europe) plc Not upheldBanking and creditMr R complains that Capital One (Europe) plc did not close his account when it should have done thereby letting him run up further debt as a result. background In July 2017 Mr R contacted Capital One. He said he told it he had been using his account to spend on gambling to which he was add... (3 pages)View decision
