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
-
Decision Reference DRN-3129525
22 Nov 2021 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3129525 The complaint Mr M complains that Moneybarn No. 1 Limited irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In February 2019, Mr M acquired a used car financed by a conditional sale agreement from Moneybarn. Mr M paid a deposit of... (2 pages)View decision -
Decision Reference DRN1113885
19 Dec 2019 Logbook Money Limited UpheldBanking and creditMr J has complained that Logbook Money Limited (“Logbook Money”) irresponsibly provided him with a logbook loan. backgroundLogbook Money provided Mr J with a loan of £1,100 in December 2017. The loan was due to be repaid in 78 weekly instalments of £39.49. This meant that the total cost o... (2 pages)View decision -
Decision Reference DRN6780211
27 Dec 2017 Western Circle Limited Not upheldBanking and creditMr M complains that Western Circle Ltd (trading as Cashfloat) gave him a loan that he couldn’t afford to repay.backgroundMr M was given a single loan by Cashfloat in April 2016. He borrowed £400 that was repayable in two, monthly, instalments of £253. Shortly after bo... (2 pages)View decision -
Decision Reference DRN-3761516
15 Feb 2023 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-3761516 The complaint Mrs M brings this complaint on behalf of her son Mr M and complains HSBC UK Bank plc (HSBC) failed to apply a spending cap on her son’s bank account. What happened Mrs M says she opened a bank account in branch for her son in early April 2019 and was told at that ... (4 pages)View decision -
Decision Reference DRN-4623871
15 Feb 2024 PDL Finance Limited UpheldConsumer CreditDRN-4623871 The complaint Miss L complains PDL Finance Limited trading as Mr Lender (“Mr Lender”) gave her loans without carrying out affordability checks. What happened A summary of Miss L’s borrowing can be found below. loan number loan amount agreement date repayment date number monthly... (4 pages)View decision -
Decision Reference DRN-2022694
27 Jul 2020 Western Circle Ltd UpheldConsumer CreditDRN-2022694 The complaintMr G says Western Circle Ltd trading at the time as ‘Cashfloat’ irresponsibly lent to him. What happenedIn June 2020 I issued my provisional decision. In it I explained why I was intending to uphold Mr G’s complaint about loans 6,7 and 8. An extract of my provision... (4 pages)View decision -
Decision Reference DRN-2725790
3 Apr 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2725790 The complaint Mr B complains about ‘log book’ loans provided to him by Loans 2 Go Limited, (“L2G”) which he says were unaffordable. What happened L2G provided Mr B with ‘log book’ loans. These loans were granted on the basis that Mr B provided L2G with a bill of sale for his c... (4 pages)View decision -
Decision Reference DRN1215429
13 Feb 2019 Casheuronet UK LLC UpheldBanking and creditMr W has complained about short-term loans granted to him by CashEuroNet UK LLC trading as Quick Quid (“Quick Quid” or “the lender”). Mr W says Quick Quid was irresponsible to lend to him, that he couldn’t afford the loans and fell behind on his other outgoings in o... (4 pages)View decision -
Decision Reference DRN0514231
2 Oct 2018 PDL Finance Limited Not upheldBanking and creditMs A complains that PDL Finance Limited (trading as Mr Lender) gave her loans that she couldn’t afford to repay.backgroundMs A was given three loans by Mr Lender between January 2017 and February 2018. Each of the loans was scheduled to be paid in instalments – the f... (2 pages)View decision -
Decision Reference DRN-3148583
22 Nov 2021 HSBC UK Bank Plc UpheldBanking and PaymentsDRN-3148583 Complaint Mr S has complained that HSBC UK Bank Plc (“HSBC”) unfairly continued applying charges to his overdraft when it ought to have realised that it was irresponsible to continue providing it. Background One of our adjudicators looked at this complaint and HSBC shouldn’t h... (2 pages)View decision