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 5443 results
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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 DRN-3036451
8 Sep 2021 PDL Finance Limited UpheldConsumer CreditDRN-3036451 The complaint Mr T said PDL Finance Limited trading as Mr Lender gave him loans that he couldn’t afford. What happened Mr Lender provided loans to Mr T as follows: Loan Date Taken Date Repaid Instalment s Amount Highest Repayme nt 1 06/09/2014 02/10/2014 6 £250.00 £116.66 2 23/... (6 pages)View decision -
Decision Reference DRN-2994611
20 Aug 2021 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-2994611 The complaint Mrs P says that Barclays Bank UK PLC trading as Barclaycard (“Barclaycard”) has lent to her irresponsibly. She would like appropriate compensation and an apology for the distress caused. What happened Mrs P says her credit report score has always been low and tha... (5 pages)View decision -
Decision Reference DRN-1724367
25 Mar 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-1724367 The complaint Mr M complains about a personal loan provided to him by Loans 2 Go Limited, trading as Loans 2 Go, (“L2G”), which he says was unaffordable. The complaint is brought to this service on Mr M’s behalf by a family member. But for ease, I shall refer below to all actio... (5 pages)View decision -
Decision Reference DRN-3042682
12 Jan 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3042682 The complaint Mr H complains that Barclays Bank Plc trading as Barclaycard, did not refund the payments he says he didn’t otherwise authorise to an investment scam company. What happened Mr H responded to an advert posted by 23 Traders. He spoke with an account manager over the... (5 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-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 -
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-3619443
28 Jul 2022 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-3619443 The complaint and what happened Mr H complains that Tesco Personal Finance PLC, trading as Tesco Bank, lent to him irresponsibly and without carrying out proper affordability checks. He would like all the fees and charges associated with the loan refunded, along with some of th... (4 pages)View decision -
Decision Reference DRN-3435622
16 Apr 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3435622 The complaint Mr R complains about two loans provided to him by Loans 2 Go Limited trading as “Loans 2 Go”, which he says were unaffordable. What happened Loans 2 Go provided Mr R with two loans. The details of which are given in this table: Number Taken Instalment Amount Insta... (3 pages)View decision