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 5210 results
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Decision Reference DRN-4440706
26 Feb 2024 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-4440706 Complaint Mr D complains that Blue Motor Finance Ltd (“BMF”) unfairly entered into a hire-purchase agreement with him. He’s said that the agreement was unaffordable. Background In April 2019, BMF provided Mr D with finance for a used car. The cash price of the vehicle was £10,5... (3 pages)View decision -
Decision Reference DRN-4107664
3 May 2023 National Westminster Bank Plc Not upheldConsumer CreditDRN-4107664 The complaint Mrs R complains that National Westminster Bank Plc didn’t carry out proper affordability checks before providing her with a high interest rate loan. She says it then didn’t help her when she asked for the term to be reduced. What happened Mrs R was provided with a... (3 pages)View decision -
Decision Reference DRN-2781614
17 May 2021 The One Stop Money Shop Limited Not upheldConsumer CreditDRN-2781614 The complaint Mr T complains The One Stop Money Shop Limited (“Money Shop”) lent to him irresponsibly. What happened Mr T took one loan with Money Shop in June 2019. The loan (£800) was arranged over 12 months with monthly instalments of £126.67. I understand the loan was full... (3 pages)View decision -
Decision Reference DRN-1929271
2 Sep 2022 PDL Finance Limited Not upheldConsumer CreditDRN-1929271 The complaint Mr F says PDL Finance Limited (“PDL”), irresponsibly lent to him. Mr F has said he couldn’t afford the loan repayments and had to take further borrowing in order to do so. What happened This complaint is about one short-term loan PDL provided to Mr F in April 2016... (4 pages)View decision -
Decision Reference DRN-4905423
23 Jul 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4905423 The complaint Mr B complains that Vanquis Bank Limited lent to him in an irresponsible manner. What happened Mr B has been assisted in making his complaint by a firm of solicitors. But in this decision, for ease, I will generally refer to all communication as if it has been... (3 pages)View decision -
Decision Reference DRN1711242
11 Oct 2019 Elevate Credit International Limited UpheldBanking and creditMr G complains that Elevate Credit International Limited (trading as ‘Sunny’) gave him loans irresponsibly.backgroundThis complaint is about 5 loans Sunny provided to Mr G between April and July 2018. Here’s a table showing these loans - all have been repaid.Loan noStart dateInstalmentsam... (3 pages)View decision -
Decision Reference DRN2960706
18 Apr 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr W complains that Curo Transatlantic Limited (trading as Wage Day Advance) gave him loans that he couldn’t afford.backgroundMr W took out a total of eight loans with Wage Day between May 2012 and April 2014. He says the loans contributed to a significant spiral ... (3 pages)View decision -
Decision Reference DRN9288635
7 Aug 2020 Loans 2 Go Limited UpheldBanking and creditMr O complains that Loans 2 Go Limited lent to him in an irresponsible manner.backgroundLoans 2 Go gave one loan to Mr O. He borrowed £300 in May 2018 and was due to repay the loan in 18 monthly instalments of £67.97. Mr O fell into financial difficulties before making any repayments on hi... (3 pages)View decision -
Decision Reference DRN2400972
15 Mar 2017 CURO TRANSATLANTIC LIMITED UpheldBanking and creditMr M complains that Curo Transatlantic Limited (trading as Wage Day Advance) (“Wage Day”) gave him loans that put him in financial difficulties. backgroundMr M took out the following loans with Wage Day: £100 on 13 June 2011, repaid on 30 June 2011 £250 on 4 July... (3 pages)View decision -
Decision Reference DRN-2930522
20 Jul 2021 Carcashpoint Limited Not upheldConsumer CreditDRN-2930522 The complaint Mr H complains about two logbook loans provided to him by CarCashPoint limited, (“CarCashPoint”) which he says were unaffordable. What happened CarCashPoint provided Mr H with ‘log book’ loans. These loans were granted on the basis that Mr H provided CarCashPoint ... (3 pages)View decision
