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 4777 results
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Decision Reference DRN-4633523
20 Feb 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-4633523 The complaint Miss M is complaining about Moneybarn No.1 Limited (Moneybarn). She says they were irresponsible in lending to her as the loan was unaffordable. What happened In July 2019, Miss M took out a conditional sale agreement with Moneybarn to finance the purchase of a c... (4 pages)View decision -
Decision Reference DRN2466441
13 Nov 2017 Casheuronet UK LLC UpheldBanking and creditMr M has complained about payday loans he took out with CashEuroNet UK LLC trading as “Quick Quid”. Mr M says that the loans were unaffordable, which led to him borrowing further amounts to repay his previous loans.backgroundI issued a provisional decision on this c... (6 pages)View decision -
Decision Reference DRN-3450369
2 Dec 2022 American Express Services Europe Limited (AESEL) UpheldBanking and PaymentsDRN-3450369 The complaint Mr M complains that American Express Services Europe Limited (AESEL) lent to him irresponsibly. What happened In July 2019, Mr M applied for and received, a credit card from AESEL. It initially had a credit limit of £3,000. According to his credit file, this limit... (3 pages)View decision -
Decision Reference DRN-4303437
11 Sep 2023 Nationwide Building Society UpheldBanking and PaymentsDRN-4303437 The complaint Mr R has complained that Nationwide Building Society (“Nationwide”) acted irresponsibly by agreeing an overdraft and two loans for him over a short period of time. What happened Mr R applied and was approved for an overdraft of £2,500 on 22 May 2022. In the month ... (3 pages)View decision -
Decision Reference DRN-4284869
7 Aug 2023 Nationwide Building Society Not upheldConsumer CreditDRN-4284869 The complaint Mr F complains that Nationwide Building Society was irresponsible in its lending to him. What happened Mr F was provided with a £10,000 loan by Nationwide in August 2020. The loan term was 84 months, and he was required to make monthly repayments of around £143. T... (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 DRN-3139561
6 Jan 2022 UK Credit Limited UpheldConsumer CreditDRN-3139561 The complaint Miss B complains about a personal loan she had with UK Credit Limited (UCL). She said UCL hadn’t done enough to check whether she could afford the loan. What happened In August 2019, Miss B took out a personal loan with UCL for £12,000 over a period of 60 months,... (5 pages)View decision -
Decision Reference DRN7823883
16 Jun 2021 Bank of Scotland Plc UpheldBanking and creditComplaint Mr H has complained that Bank of Scotland plc (trading as “Halifax”) unfairly continued applying increasing amounts of charges to his overdraft when he was in financial difficulty. Background One of our adjudicators looked at this complaint and thought Halifax should have realise... (2 pages)View decision -
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
