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 5478 results
-
Decision Reference DRN7473662
22 Jan 2020 Metro Bank PLC Not upheldBanking and creditMr B complains that Metro Bank Plc won't refund four debit card payments made with hiscard. Mr B says he neither made them nor authorised anyone else to do so. Metro Banksays that they were made using the genuine card, and three of them were made using Mr B's PIN. It says it foll... (3 pages)View decision -
Decision Reference DRN-3997564
17 Apr 2023 FirstRand Bank Limited UpheldConsumer CreditDRN-3997564 The complaint Mr B complains that FirstRand Bank Limited, trading as Motonovo Finance (“Motonovo”), irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In November 2016, Mr B acquired a used car financed by a hire purchase agreement fr... (3 pages)View decision -
Decision Reference DRN-3414222
29 Apr 2022 Novaloans Ltd Not upheldConsumer CreditDRN-3414222 The complaint Mr T complains that the loans he had from Novaloans Ltd (trading as Cash4unow) were unaffordable to him. What happened Mr T had four loans from Cash4unow between January 2014 and April 2014 as follows: Loan Date Amount Term Monthly Repayment Due Repaid 1 9 Jan 201... (3 pages)View decision -
Decision Reference DRN-2917791
9 Jan 2023 DTW Associates Limited Not upheldConsumer CreditDRN-2917791 Complaint Mr K has complained about a loan DTW Associates Limited (trading as “Auto Advance”) provided to him. He says that the loan was unaffordable and he’s also unhappy at the amount that he’s been asked to repay. Background Auto Advance provided Mr K with a loan for £1,400.... (3 pages)View decision -
Decision Reference DRN-2148507
7 Oct 2020 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-2148507 The complaint X complains that Tesco Personal Finance PLC trading as Tesco Bank (“Tesco”) unfairly applied a cash transaction fee to a purchase he made on his credit card. What happened Earlier this year, X bought some commemorative coins online and paid using his Tesco credit ... (3 pages)View decision -
Decision Reference DRN-1847472
6 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditThe complaint Mr K complains that Provident Personal Credit Limited, trading as Satsuma, lent to him in an irresponsible manner. What happened In October 2016, Satsuma gave Mr K a loan of £300. The loan was repayable in 30 weekly instalments of £19.90. Mr K says that Satsuma shouldn’t have... (3 pages)View decision -
Decision Reference DRN-3103551
8 Nov 2021 Madison CF UK Limited Not upheldConsumer CreditDRN-3103551 The complaint Miss M complains that Madison CF UK Limited (“118 118 Money”) lent to her in an irresponsible manner. What happened Miss M was given a loan by 118 118 Money. It was for £1000 and was due to be repaid over 24 months. Miss M took this loan out in June 2016 and the m... (3 pages)View decision -
Decision Reference DRN-4922380
20 Aug 2024 Lendable Ltd Not upheldConsumer CreditDRN-4922380 The complaint Miss C complains that Lendable Ltd lent irresponsibly when it approved her loan application. What happened Mss C applied for a debt consolidation loan with Lendable in May 2021 for £20,000 plus interest and fees. In her application, Miss C says she was renting ... (3 pages)View decision -
Decision Reference DRN2371692
27 Feb 2019 DJS (UK) Limited Not upheldBanking and creditMr M complains that DJS (UK) Limited (trading as Piggybank) gave him unaffordable payday loans and he’s unhappy with the offer it made in settlement of his complaint. He wants a refund of all the interest and charges he paid.background Mr M had seven loans from Pig... (3 pages)View decision -
Decision Reference DRN-2468719
30 Dec 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2468719 The complaint Mr V complained about a number of loans he took out through a company called Provident Personal Credit Limited, trading as Satsuma. Mr V says he was lent to irresponsibly and the loans caused him financial problems. To keep things simple, I’ll refer mainly to “Sat... (3 pages)View decision