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 4764 results
-
Decision Reference DRN-2116718
31 Mar 2021 Nine Regions Limited UpheldConsumer CreditDRN-2116718 The complaint In summary, Mr F has complained that Nine Regions Limited (NR) provided him with a loan when he wasn’t able to afford it. What happened In September 2009 NR gave Mr F a loan for £1,000 repayable over 18 months. It was a log book loan secured on his car. The total ... (3 pages)View decision -
Decision Reference DRN-3664619
24 Nov 2022 Gain Credit LLC UpheldConsumer CreditDRN-3664619 The complaint Mr V says Gain Credit LLC (trading as Drafty) gave him a line of credit he couldn’t afford to repay. Mr V went on to say that Drafty didn’t carry out appropriate affordability checks and therefore failed to identify he was stuck in a cycle of borrowing. What happ... (7 pages)View decision -
Decision Reference DRN7381992
5 Jan 2018 Ausgroup Limited Not upheldBanking and creditMrs H has complained that Ausgroup Limited trading as Cash Converters (“Cash Converters or Ausgroup”) provided several loans that were unaffordable for her.backgroundI issued a provisional decision, in November 2017 explaining why I was intending to partially uphold Mrs H... (7 pages)View decision -
Decision Reference DRN1912278
22 Aug 2016 Indigo Michael Limited UpheldBanking and creditMr M complains that Indigo Michael trading as SafetyNetCredit (‘SafetyNetCredit’) lent to him irresponsibly.backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 4 July 2016 – a copy of which is attached ... (5 pages)View decision -
Decision Reference DRN0153016
27 Nov 2017 Lending Stream Llc UpheldBanking and creditMr G complains about the payday loans Lending Stream LLC lent to him. He says the necessary checks weren’t carried out before lending to him and that the loans were unaffordable.backgroundI issued a provisional decision on 2 November 2017 where I set out the backgro... (7 pages)View decision -
Decision Reference DRN9692182
9 Jan 2019 Western Circle Limited Not upheldBanking and creditMr T says Western Circle Limited, trading as Cashfloat, lent to him irresponsibly.backgroundI sent both parties my provisional decision on this complaint on 18 December 2018. A copy of it is attached and it forms part of this final decision. I explained why I wasn’... (6 pages)View decision -
Decision Reference DRN4953311
20 Nov 2020 Madison CF UK Limited UpheldBanking and creditMr G has complained about a loan he took out with Madison CF UK Limited, trading as 118 118 Money. Mr G says it was irresponsible for the company to give him the loan as it should have been obvious he could not afford to pay it back. background I issued a provisional decision in this case ... (7 pages)View decision -
Decision Reference DRN-3042863
28 Jan 2022 John Lewis Financial Services Limited UpheldBanking and PaymentsDRN-3042863 The complaint Mrs M complains that John Lewis Financial Services (trading as John Lewis Card Services) didn’t do enough to recover money nor protect her from the financial harm caused by a binary options trading scam company. What happened Mrs M was looking for part-time work o... (7 pages)View decision -
Decision Reference DRN3171350
24 Jul 2017 Nationwide Building Society Not upheldBanking and creditMr N complains that Nationwide Building Society will not refund some disputed transactions.backgroundMr N complained to Nationwide about some payments made to an online gambling website - S. There were a number of payments made, totalling £20400, which Mr N says he ... (1 page)View decision -
Decision Reference DRN5491581
28 Nov 2017 Shop Direct Finance Company Limited Not upheldBanking and creditMr W complains that Shop Direct Finance Company Limited increased his credit limit irresponsibly.backgroundMr W opened an account with Shop Direct in 2013 with an initial credit limit of £1,000. Shortly after this he fell into arrears and owed £13.25 at which point ... (1 page)View decision
