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 4808 results
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Decision Reference DRN-3224654
21 Dec 2021 Nine Regions Limited UpheldConsumer CreditDRN-3224654 Complaint Mr F has complained that Nine Regions Limited (“Nine Regions”) provided him with an unaffordable logbook loan. Background and my provisional decision of 20 December 2021 Nine Regions provided Mr F with a loan of £1,250 in March 2011. This loan had an APR of 466% and ... (3 pages)View decision -
Decision Reference DRN-4675124
16 Apr 2024 Omni Capital Retail Finance Limited UpheldConsumer CreditDRN-4675124 The complaint Mr P says Omni Capital Retail Finance Limited lent irresponsibly when providing him with a loan in 2016. What happened In October 2016, Omni loaned Mr P £657 over a 24-month term. The purpose of the loan was to purchase alloy wheels. The interest rate on the loan ... (3 pages)View decision -
Decision Reference DRN-5199818
18 Dec 2024 Inclusive Finance Limited UpheldConsumer CreditDRN-5199818 The complaint Mr M has complained that Inclusive Finance Limited trading as Creditspring (“Creditspring”) gave him a loan without properly considering his finances. Mr M says that had further checks been made Creditspring would’ve concluded he couldn’t afford to repay the re... (5 pages)View decision -
Decision Reference DRN4995792
21 Aug 2018 Bank of Scotland Plc Not upheldBanking and creditMr M complains that Bank of Scotland plc (trading as Halifax) failed to send him a new PIN which meant he couldn’t access funds in his account. backgroundIn March 2018 Mr M lost his bank card and asked Halifax to send him a replacement. He complained to Halifax as ... (2 pages)View decision -
Decision Reference DRN-4307831
4 Jan 2024 TSB Bank plc Not upheldBanking and PaymentsDRN-4307831 The complaint Mr J complains that his personal data was received by a third party due to a mistake made by TSB Bank plc (“TSB”). Mr J doesn’t believe the level of compensation TSB has offered is enough to settle his complaint. What happened TSB says it received a DSAR request f... (3 pages)View decision -
Decision Reference DRN-4472557
18 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4472557 The complaint Mr B complains that NewDay Ltd trading as Aqua (‘NewDay Ltd’) irresponsibly gave him a credit card that he couldn’t afford. What happened On 9 May 2021, Mr B applied for and was given a credit card with a credit limit of £900. The credit limit was increased to £1,... (2 pages)View decision -
Decision Reference DRN3240360
25 Nov 2019 Tesco Personal Finance PLC Not upheldBanking and creditMr W complains about a handling fee and interest Tesco Personal Finance Plc (trading as Tesco Bank) charged on his credit card. He says Tesco Bank shouldn’t have treated a payment he made as a cash transaction. backgroundMr W used his credit card to make a payment of £5,014 to clear the fi... (2 pages)View decision -
Decision Reference DRN-1717223
8 Jul 2020 Quidie Limited UpheldConsumer CreditDRN-1717223 The complaintMr S complains that Quidie Limited (trading as Fernovo) lent to him irresponsibly.What happenedMr S took out a single loan with Quidie in November 2017. The loan was for £200, and was due to be repaid by six monthly instalments of around £53. Mr S repaid the loan ... (3 pages)View decision -
Decision Reference DRN2448638
11 Dec 2018 Avantcredit Of Uk, Llc Not upheldBanking and creditMr L complains AvantCredit of UK, LLC (“AvantCredit”) lent to him irresponsibly as the loan he took with them wasn’t affordable for him and that they didn’t make proper checks before lending to him.backgroundMr L entered into a fixed sum loan agreement with AvantCre... (2 pages)View decision -
Decision Reference DRN-4609483
17 May 2024 Specialist Motor Finance Limited UpheldConsumer CreditDRN-4609483 The complaint Mr P complains that Specialist Motor Finance Limited lent to him irresponsibly and without carrying out proper affordability checks. What happened In August 2019 Specialist Motor Finance granted Mr P a hire purchase (HP) agreement which was scheduled to be repaid ... (3 pages)View decision
