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
-
Decision Reference DRN-1934031
23 Jul 2020 Novaloans Ltd UpheldConsumer CreditDRN-1934031 The complaintMr D complains that Novaloans Ltd (trading as ‘cash4unow’) acted irresponsibly when lending to him. What happenedIn July 2019 cash4unow provided Mr D an instalment loan, due to be repaid by six monthly repayments. Here’s a table setting with detailss:LoanDate Take... (4 pages)View decision -
Decision Reference DRN-3136813
2 Nov 2021 Bamboo Limited UpheldConsumer CreditDRN-3136813 The complaint Mr G complains that Bamboo Limited lent to him in an irresponsible manner. What happened I issued a provisional decision on this complaint in September 2021. In that decision I explained why I thought part of the complaint should be upheld and what Bamboo needed t... (3 pages)View decision -
Decision Reference DRN-4567581
18 Jan 2024 Bank of Scotland Plc UpheldBanking and PaymentsDRN-4567581 The complaint Miss M has complained that Bank of Scotland plc (“BoS”) acted irresponsibly when it provided her with an overdraft facility in October 2019. She says the bank should’ve realised she was in financial difficulty, not managing her overdraft correctly and proactively ... (3 pages)View decision -
Decision Reference DRN-3803728
28 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3803728 The complaint Mr L says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr L opened an Aqua card in March 2021. It had a £900 credit limit. This was increased to £1,900 in August 2021. He says NewDay should have checked his credit record, it would have see... (3 pages)View decision -
Decision Reference DRN-4800306
10 Jul 2024 Tandem Motor Finance Limited UpheldConsumer CreditDRN-4800306 The complaint Mr W, who is represented by a third party, complains that Tandem Motor Finance Limited (“Tandem”), irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In January 2018, Mr W acquired a used car financed by a hire purchase ... (3 pages)View decision -
Decision Reference DRN8893054
20 Apr 2020 Elevate Credit International Limited UpheldBanking and creditMr H complains that Elevate Credit International Limited (trading as ‘Sunny’) lent irresponsibly to him. backgroundBetween June 2015 and March 2016, Mr H borrowed 21 loans from Sunny. His borrowing history is set out in full at the appendix to this decision. Sunny initially said it didn’t ... (4 pages)View decision -
Decision Reference DRN7248360
5 Sep 2017 Active Securities Limited UpheldBanking and creditMr K complains about loans taken with Active Securities Limited (trading as 247 Moneybox) which he says shouldn’t have been given to him because the loans weren’t affordable. background Below is a summary of Mr K’s borrowing history which he has provided us;loan nu... (3 pages)View decision -
Decision Reference DRN-5007519
16 Sep 2024 Tesco Personal Finance PLC UpheldBanking and PaymentsDRN-5007519 The complaint Mr M complains that Tesco Personal Finance PLC trading as Tesco Bank acted irresponsibly by increasing the credit limit on his credit card. What happened Tesco Bank increased Mr M’s credit limit on his credit card from £3,200 to £5,200 in December 2022. He says... (3 pages)View decision -
Decision Reference DRN-2195072
19 Nov 2020 PDL Finance Limited Not upheldConsumer CreditDRN-2195072 The complaint Mr E complains PDL Finance Limited (trading as Mr Lender) lent to him irresponsibly. What happened & Mr E took three instalment loans between March 2018 and September 2018. I’ve included some of the information we’ve received about these loans in the table bel... (3 pages)View decision -
Decision Reference DRN7266384
27 Mar 2019 FCL Consumer Finance Ltd Not upheldBanking and creditMr K complains that FCL Consumer Finance Ltd (trading as Smart-Pig) lent him money that he couldn’t afford to repay.Mr K wants Smart-Pig to refund the interest and charges that he paid on the loans.backgroundMr K borrowed seven loans from Smart-Pig between November 20... (3 pages)View decision
