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 4619 results
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Decision Reference DRN-5309390
14 Feb 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5309390 The complaint Mr B complains that Moneybarn No.1 Limited trading as Moneybarn (“Moneybarn”) lent to him without carrying out sufficient checks. What happened In July 2022, Moneybarn provided Mr B with a conditional sale agreement for a used car through a credit intermediar... (4 pages)View decision -
Decision Reference DRN-2675362
18 Aug 2021 UK Credit Limited UpheldConsumer CreditDRN-2675362 The complaint Mr T says UK Credit Limited lent to him irresponsibly. What happened Mr T took out a guarantor loan from UK Credit on 15 August 2018. It was for £9000 over 60 months. The monthly repayment was £313.96 and the total repayable was £18837.60. I understand there remai... (4 pages)View decision -
Decision Reference DRN-4652026
26 Mar 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4652026 Complaint Ms S complains that Startline Motor Finance Limited (“Startline”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were not affordable and so she shouldn’t have been accepted for it. Background In January 2022... (5 pages)View decision -
Decision Reference DRN-3036281
17 Sep 2021 Nationwide Building Society UpheldBanking and PaymentsDRN-3036281 The complaint Miss G’s complaint came up because of the way Nationwide Building Society handled her basic account when it went overdrawn. Her complaint has expanded, as she’s unhappy with the steps Nationwide have taken over the years to help her with her mental health issues a... (6 pages)View decision -
Decision Reference DRN7710464
28 Nov 2017 Express Finance (Bromley) Limited UpheldBanking and creditMr W complains that Express Finance (Bromley) Limited (trading as Payday Express) was irresponsible to lend him money as it should have seen the loans were unaffordable to him.backgroundMr W had three loans, and two top-ups, from Payday Express between October 2011 ... (2 pages)View decision -
Decision Reference DRN6013223
30 Mar 2020 Barclays Bank UK PLC Not upheldBanking and creditComplaintMr G and Mrs G have complained that Barclays Bank UK PLC won’t refund a transaction, which they say they didn’t make.BackgroundMr G and Mrs G want Barclays to refund a £900 payment to a betting shop, which was made with Mr G’s debit card and PIN. Mr G said he didn’t authorise the ... (4 pages)View decision -
Decision Reference DRN0933751
13 Dec 2017 Amigo Loans Ltd Not upheldBanking and creditMr L complains that three guarantor loans from Amigo Loans Limited (“ALL”) were unaffordable and so ALL was irresponsible to lend to him.backgroundMr L took out three loans from ALL as follows:-LoanDate of LoanAmountTermMonthly payment1.14/4/2010£3,30036 months£151.192.22... (3 pages)View decision -
Decision Reference DRN1933666
31 Aug 2017 MEM Consumer Finance Limited UpheldBanking and creditMiss L complains about a number of payday loans agreed by MEM Consumer Finance Limited (trading as Payday UK). She has said the loans were unaffordable for her.backgroundMiss L took out a total of nine loans with Payday UK between September 2008 and October 2012. The ... (4 pages)View decision -
Decision Reference DRN8824870
25 Oct 2019 Novaloans Ltd UpheldBanking and creditMr L says Novaloans Ltd (trading as Cash4unow) irresponsibly lent to him.backgroundThis complaint is about eight short term loans Cash4unow provided to Mr L between March 2016 and January 2018. Mr L’s borrowing history is as follows: loan number start date loan amount (£)termhighest repaym... (4 pages)View decision -
Decision Reference DRN-4685404
29 May 2024 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-4685404 The complaint Mr L complains that Clydesdale Bank Plc trading as Virgin Money was irresponsible when it offered him credit. What happened Virgin Money opened a credit card account for Mr L in on 6 May 2021 with a credit limit of £9,300. This type of credit was an open-ended or ... (3 pages)View decision
