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 DRN7237154
30 Jan 2019 Valour Finance Limited Not upheldBanking and creditMr S has complained about two instalment loans given to him by Valour Finance Limited (trading as “Savvy”). Mr S says he had a debt problem and it was irresponsible for Savvy to lend to him.backgroundMr S took out two instalment loans with Savvy between August 2015 an... (3 pages)View decision -
Decision Reference DRN1925356
23 Oct 2020 Everyday Lending Limited Not upheldBanking and creditMr N complains that Everyday Lending Limited (“ELL”) lent to him in an irresponsible manner. background The background to this complaint was set out in the provisional decision I issued in September 2020. An extract from this is attached and forms part of this final decision, so I will not... (3 pages)View decision -
Decision Reference DRN5272063
21 Jun 2018 Casheuronet UK LLC UpheldBanking and creditMr M complains about the loans he took out with Casheuronet UK LLC trading as QuickQuid. Mr M says that he became reliant on unaffordable loans and he was using other payday lenders to repay them and cover his expenses. He says this spiralled out of control and... (7 pages)View decision -
Decision Reference DRN-2833229
21 May 2021 PDL Finance Limited Not upheldConsumer CreditDRN-2833229 The complaint Mr S complains that PDL Finance Limited, trading as Mr Lender, lent to him irresponsibly. What happened Our adjudicator created a loan table using information from PDL and it is duplicated here. Loan Loan Amount Date of Sale Date Settled Notes (figures rounded) 1 ... (5 pages)View decision -
Decision Reference DRN4967695
21 Jul 2016 The Royal Bank of Scotland Plc Not upheldBanking and creditMr M complains that The Royal Bank of Scotland Plc (“RBS”) wrongly declined a payment that he made with his debit card.backgroundMr M complains that, having moved £40,000 into his card account, he attempted to make a £40,000 debit card payment at a bookmakers’ to c... (2 pages)View decision -
Decision Reference DRN0721005
4 Feb 2020 Tesco Personal Finance PLC Not upheldBanking and creditMr R complains Tesco Personal Finance PLC is holding him liable for a credit card debt which he says was opened and used by fraudsters.backgroundMr R complained to Tesco about a credit card which had been opened in his name. He said he had not made the application – and neither had he mad... (2 pages)View decision -
Decision Reference DRN-4798892
30 May 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4798892 Complaint Ms L complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the payments to her agreement were unaffordable. Background In July 2018, MotoNovo provided Ms L with finance for a used car... (3 pages)View decision -
Decision Reference DRN-2849592
29 Jun 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2849592 The complaint Mr S says Provident Personal Credit Limited, trading as Satsuma Loans, irresponsibly lent to him. He says he told Satsuma he was in serious financial difficulty due to gambling before it lent to him. He thinks it shouldn’t have approved the lending because of this... (3 pages)View decision -
Decision Reference DRN2522861
26 Oct 2017 Avantcredit Of Uk, Llc Not upheldBanking and creditMrs S complained about Avantcredit of UK LLC’s handling of her loan once she came into financial difficulties.backgroundMrs S took out a loan with Avantcredit in January 2016 for £6,000 to be repaid over four years. Mrs S paid about £253 a month.At the start of 2017 ... (3 pages)View decision -
Decision Reference DRN-4843494
25 Jun 2024 Close Brothers Limited Not upheldConsumer CreditDRN-4843494 Complaint Miss B complains that Close Brothers Ltd (“Close Brothers”) unfairly entered into a conditional sale agreement with her. She’s said that no checks were done for the finance and she was provided with the funds at a time when she had a bad credit score. Background In Ap... (3 pages)View decision
