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 4630 results
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Decision Reference DRN-4600375
11 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4600375 The complaint Mr G complains that Moneybarn No. 1 Limited (‘Moneybarn’) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In November 2021, Mr G acquired a used car financed by a conditional sale agreement from Moneybarn. Mr G... (3 pages)View decision -
Decision Reference DRN7993835
20 Jul 2017 DJS (UK) Limited UpheldBanking and creditMr B complains about payday loans he had with DJS (UK) Limited (trading as Piggybank) which he says shouldn’t have been given to him because the loans weren’t affordable. backgroundA summary of Mr B’s borrowing history is as follows; loan numberloan amount received ... (3 pages)View decision -
Decision Reference DRN-4065094
26 Apr 2023 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4065094 The complaint Mr A complains Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance irresponsibly gave him two fixed sum loan agreements he couldn’t afford. What happened In October 2018, Mr A was given a cash loan of £25,000. He was required to pay 79 monthly repaymen... (3 pages)View decision -
Decision Reference DRN8978805
17 Jan 2019 Active Securities Limited UpheldBanking and creditMrs A complains that Active Securities Limited (trading as 247 Moneybox) gave her loans that she couldn’t afford to repay.backgroundMrs A borrowed seven loans from 247 Moneybox between March and October 2013. Mrs A’s repaid the first six loans but wasn’t able to repay t... (3 pages)View decision -
Decision Reference DRN8146427
21 Dec 2018 Gain Credit LLC Not upheldBanking and creditMr G complains about two instalment loans that he took out with Gain Credit LLC, trading as Lending Stream, (“LS”). The complaint is brought to this service on Mr G’s behalf by a firm of solicitors. But for ease I shall refer below to all actions being taken by Mr ... (3 pages)View decision -
Decision Reference DRN6802474
17 Sep 2019 Uncle Buck Finance LLP Not upheldBanking and creditComplaintMrs B complains that Uncle Buck Finance LLP gave her loans irresponsibly.BackgroundThis complaint is about two payday loans Uncle Buck provided to Mrs B in October and December 2013, as follows: Loan NoAmountDate lentLoan termDate repaid 1£3503.10.13.23 days25.10.13 2£4506.12.1315... (3 pages)View decision -
Decision Reference DRN-3583459
14 Sep 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3583459 The complaint Mr S complains that Barclays Bank UK PLC failed to refund him transactions he didn’t recognise which impacted his credit score and they were unprofessional when he reported the situation to them. What happened Mr S approached Barclays about transactions that had b... (3 pages)View decision -
Decision Reference DRN2592544
20 Nov 2018 IG Index Limited Not upheldInvestment and pensionsMr S’ complaint to this service, about IG Index Limited (IG), began on the following basis: IG did not self-regulate its service in terms of the appropriateness of his execution only spread betting account, which he opened in 2000. In this context and under its du... (3 pages)View decision -
Decision Reference DRN-5144596
29 Nov 2024 Lendable Ltd Not upheldBanking and PaymentsDRN-5144596 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. Background Zable provided Mr M with a credit ... (3 pages)View decision -
Decision Reference DRN-4159440
30 Aug 2023 PDL Finance Limited Not upheldConsumer CreditDRN-4159440 The complaint Mr K complains that PDL Finance Limited, trading as Mr Lender, lent to him when he could not afford it. He says that proper checks would have revealed he was a gambler and he had an Individual Voluntary Arrangement (IVA) in place. What happened Mr K took one loan ... (3 pages)View decision
