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 4727 results
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Decision Reference DRN-4088039
20 Jun 2023 Virgin Media Mobile Finance Limited Not upheldConsumer CreditDRN-4088039 The complaint Mr L complains about what he considers to be irresponsible lending to him by Virgin Media Mobile Finance Limited (“Virgin Mobile”). What happened Over a period of around three and a half years Mr L took out eight Virgin Mobile phone contracts. The contracts mostly... (3 pages)View decision -
Decision Reference DRN-1694257
17 Apr 2020 Hitachi Capital (UK) Plc Not upheldConsumer CreditDRN-1694257The complaintMrs B complains that Hitachi Capital (UK) Plc (“Hitachi”) lent to her irresponsibly. What happenedAt the beginning of March 2018 Mrs B applied for a loan with Hitachi. The loan was for £5,000 over a period of 36 months and the monthly repayments were around £165. H... (3 pages)View decision -
Decision Reference DRN5345923
7 Mar 2018 Gain Credit LLC Not upheldBanking and creditMr D complains that Lending Stream LLC was irresponsible to lend him money.background Mr D had ten six-month instalment loans from Lending Stream between April 2015 and February 2017 as follows:Loan Date Amount DueRepaid Notes 123 Apr 2015£20030 Oct 20151 Oct 2015216 Jul 20... (3 pages)View decision -
Decision Reference DRN-3491291
20 May 2022 Shelby Finance Ltd UpheldConsumer CreditDRN-3491291 The complaint Mr W complains that the loans he had from Shelby Finance Ltd (trading as Dot Dot Loans) were unaffordable. What happened Mr W had five loans from Dot Dot Loans between February 2020 and November 2021 as follows: Loan Date Amount Term Monthly Repayment Due Repaid 1... (3 pages)View decision -
Decision Reference DRN1690828
1 Aug 2019 Uncle Buck Finance LLP Not upheldBanking and creditMiss E complains that Uncle Buck Finance LLP gave her loans that she couldn’t afford to repay. She asks that it refunds interest and charges and removes information about the loans from her credit file.backgroundMiss E took out seven loans with Uncle Buck between August 2014 and October 20... (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 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 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 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
