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-2753916
9 Jun 2021 The Car Finance Company (2007) Ltd UpheldConsumer CreditDRN-2753916 The complaint Mrs L believes The Car Finance Company (2007) Ltd (‘TCFC’) acted irresponsibly by agreeing a hire purchase agreement she’d applied for. What happened In March 2016, Mrs L was supplied with a used car through a hire purchase agreement with TCFC. The agreement was f... (4 pages)View decision -
Decision Reference DRN-2904625
8 Jun 2022 UK Credit Limited UpheldConsumer CreditDRN-2904625 The complaint Miss L complains that the loan she had from UK Credit Limited was unaffordable to her and that it should have carried out better checks. What happened Miss L took out a guarantor loan with UK Credit on 2 January 2018. She borrowed £6,000 and was due to repay £264.... (4 pages)View decision -
Decision Reference DRN-4543092
28 Feb 2024 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-4543092 The complaint Mr E complains that Tesco Personal Finance PLC trading as Tesco Bank (Tesco) lent to him irresponsibly. What happened Mr E applied for a credit card from Tesco and in July 2022, it was agreed. Mr E then asked for an increase in the limit in January 2023, and that... (4 pages)View decision -
Decision Reference DRN4302819
15 Jan 2020 PDL Finance Limited UpheldBanking and creditMr M says PDL Finance Limited, trading as Mr Lender (“Mr Lender”) irresponsibly lent to him.backgroundThis complaint is about eight instalment loans Mr Lender provided to Mr M between October 2015 and May 2018. Mr M’s borrowing history is as follows: LoanDate TakenDate RepaidInstalmentsAmo... (4 pages)View decision -
Decision Reference DRN-5624609
26 Jun 2025 Telefonica UK Limited Not upheldConsumer CreditDRN-5624609 The complaint Mr E complains that Telefonica UK Limited, trading as 02, irresponsibly provided him with fixed sum loans. What happened Between 2021 and 2024, Mr E entered into several fixed sum loan agreements with Telefonica for various devices. Mr E provided nine credit a... (2 pages)View decision -
Decision Reference DRN-2957487
3 Aug 2021 Western Circle Ltd UpheldConsumer CreditDRN-2957487 The complaint Mr K complains that Western Circle Ltd (trading as ‘Cashfloat’) acted irresponsibly when lending to him. What happened Cashfloat provided Mr K with loans as follows: Loan Date taken Date paid Loan amount Instalments Highest Repayment LENDING CHAIN ONE First loan t... (6 pages)View decision -
Decision Reference DRN-5041114
8 Nov 2024 Monzo Bank Ltd UpheldBanking and PaymentsDRN-5041114 The complaint Miss B complains that Monzo Bank Ltd ought not to have approved her application for a revolving credit account in July 2022 and ought not to have approved the credit limit increases she applied for afterwards. Plus, Miss B complains that Monzo took five months ... (6 pages)View decision -
Decision Reference DRN-5369609
20 Jun 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5369609 The complaint Mr B complains Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) irresponsibly entered into a car finance agreement with him because it didn’t carry out appropriate checks to ensure the lending was affordable for him. What happened Mr B ent... (5 pages)View decision -
Decision Reference DRN-2508918
19 Mar 2021 Oplo PL Ltd Not upheldConsumer CreditDRN-2508918 The complaint Mr M complains about a loan provided to him by 1 st Stop Personal Loans Limited. What happened Mr M took out a loan for £10,000 with 1 st Stop in October 2019. Interest on the loan was at a fixed rate of 16.56% per annum. The annual percentage rate (APR) was 31.85... (6 pages)View decision -
Decision Reference DRN-3997586
10 Mar 2023 Novaloans Ltd Not upheldConsumer CreditDRN-3997586 The complaint Miss B complains Novaloans Ltd trading as cash4unow (Novaloans) gave her loans without carrying out sufficient affordability checks. What happened Miss B was advanced three loans between June 2021 and March 2022. A summary of her borrowing can be found below. loan... (4 pages)View decision
