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 5443 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 DRN4698265
1 Mar 2019 Trusted Cash Limited Not upheldBanking and creditMr P has complained about two instalment loans Trusted Cash Limited (TCL) T/A Trusted Quid lent to him. He has said he was struggling financially at the time and had TCL carried out sufficient checks, it wouldn’t have lent to him. Mr P has also said that on one occa... (4 pages)View decision -
Decision Reference DRN0080704
22 Sep 2017 Capfin Limited UpheldBanking and creditMrs A complains that Capfin Limited (trading as Ecashwindow) gave her loans that she couldn’t afford to repay.backgroundThe background to this complaint was set out in the provisional decision I issued earlier this month. An extract from this is attached and forms part ... (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-5888441
3 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditThe complaint Mr J is unhappy Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance (‘Novuna’) provided him with two loans that were unaffordable. What happened Novuna provided Mr J with two loans: •Loan one in October 2024 for £7,500. This was due to be repaid in 60 monthly inst... (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 DRN-1224021
6 Apr 2020 Elevate Credit International Limited UpheldConsumer CreditDRN-1224021 The complaint Mr W complains that Elevate Credit International Limited (trading as ‘Sunny’) acted irresponsibly when lending to him. What happened Over the course of a month or so between September and October 2018 Sunny provided Mr W with 4 instalment loans. When they were arr... (4 pages)View decision -
Decision Reference DRN-2813041
26 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2813041 The complaint Mr D is unhappy that NewDay Ltd, trading as Aqua, approved him for a credit account which he feels was unaffordable for him at that time. Mr D is also unhappy that NewDay Ltd, trading as Aqua, subsequently increased the credit limit on the account, which he also c... (4 pages)View decision -
Decision Reference DRN1195624
7 Feb 2017 Wage Day Advance Limited UpheldBanking and creditMs A has complained about loans granted to her by Wage Day Advance Limited (“Wage Day” or “the lender”).background The background to this complaint was set out in my provisional decision dated 5 January 2017, a copy of which is attached and forms part of this final ... (5 pages)View decision -
Decision Reference DRN-2545252
13 May 2021 Greenlight Credit Ltd Not upheldConsumer CreditDRN-2545252 The complaint Miss L complained that Greenlight Credit Limited trading as Varooma lent to her irresponsibly. She also complained that the charges applied to her account were excessive and unfair. What happened Based on the limited information provided, it looked like Miss L was... (4 pages)View decision