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 4648 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 DRN-4330789
3 Nov 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4330789 The complaint Mrs D complains that National Westminster Bank Plc (‘NatWest’) irresponsibly gave her a loan that she couldn’t afford. What happened In December 2020, Mrs D applied for a loan with NatWest for the stated purpose of consolidating other debt. She was given a loan of... (3 pages)View decision -
Decision Reference DRN4789036
1 Aug 2019 Moneybarn No. 1 Limited Not upheldBanking and creditMr B complains that Moneybarn No.1 Limited (Moneybarn) acted irresponsibly when it lent him money to buy a car, and that now the loan is in default, he’s being asked to repay more than he owes.backgroundMr B entered into a conditional sale agreement with Moneybarn in 2016. He was to pay ab... (3 pages)View decision -
Decision Reference DRN-3236519
27 Jan 2022 MBNA Limited UpheldBanking and PaymentsDRN-3236519 The complaint Mr L has complained that MBNA Limited was irresponsible in lending to him. What happened In 2016, Mr L took out a credit card with MBNA for £10,000. The limit was increased to £13,000 over the following 18 months. The account was later closed. In 2021, Mr L compla... (3 pages)View decision -
Decision Reference DRN-2772561
12 May 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-2772561 The complaint Miss B complains that Madison CF UK Limited (trading as 118 118 Money) acted irresponsibly by granting her a loan that was unaffordable for her. What happened In October 2017, Miss B took out a loan with Madison for £2,000. It was to be paid back over 18 months in... (3 pages)View decision -
Decision Reference DRN-2443522
16 Jun 2021 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-2443522 The complaint Mr M complains that Vanquis Bank Limited should have monitored his account more closely to prevent him from entering a cycle of debt. What happened Mr M initially complained about irresponsible lending by Vanquis when it provided him with a credit card account and... (3 pages)View decision -
Decision Reference DRN1499237
23 Jan 2020 Emergency Cash Limited UpheldBanking and creditMr C says Emergency Cash Limited, trading as wizzcash.com (“ECL”) irresponsibly lent to him.backgroundThis complaint is about three instalment loans ECL provided to Mr C between March 2015 and October 2016. Mr C’s borrowing history is as follows:Mr C has said he should not have been given ... (3 pages)View decision -
Decision Reference DRN1664834
7 Mar 2017 Cfo Lending Limited UpheldBanking and creditMr W complains that CFO Lending Limited gave him loans he couldn’t afford to pay back. backgroundMr W took out nine loans with CFO lending. Some of the loans were deferred and Mr W hasn’t yet repaid the last loan. date takenamountDeferrals/top upsDate repaid10 November... (3 pages)View decision -
Decision Reference DRN7279552
13 Dec 2016 PDL Finance Limited UpheldBanking and creditMiss S complains that PDL Finance Limited, trading as Mr Lender (PDL), gave her five instalment loans that were unaffordable.backgroundMiss S took five instalment loans with PDL between 28 May 2015 and 15 December 2015. date taken principal amount borrowed £ term of loan... (3 pages)View decision -
Decision Reference DRN-3192972
7 Mar 2022 Madison CF UK Limited UpheldConsumer CreditDRN-3192972 The complaint Mr F complained that Madison CF UK Limited trading as 118 118 Money lent to him irresponsibly and provided him with an unaffordable loan. What happened Mr F was given a loan by 118 118 Money as follows: Loan start date Loan amount Monthly repayment Total amount pa... (3 pages)View decision
