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 70868 results
-
Decision Reference DRN0358635
10 Jun 2016 Instant Cash Loans Limited UpheldBanking and creditMiss L complains that Instant Cash Loans Limited (trading as Money Shop) wrongly lent her money she couldn’t afford to pay back.backgroundMiss L took out three loans with the Money Shop. She says that the business didn’t carry out proper affordability checks and allowed... (2 pages)View decision -
Decision Reference DRN1075096
6 May 2020 Pollok Credit Union Limited Not upheldBanking and creditMs S is unhappy with the handling of her debt by Pollock Credit Union Limited (PCU). Ms S believes the debt isn’t owed as she’s already made a lump sum payment. Ms S wants PCU to stop pursuing her for this debt, pay her compensation and reimburse her costs. backgroundPCU considered the com... (2 pages)View decision -
Decision Reference DRN7283982
21 Mar 2014 Vanquis Bank Limited Not upheldBanking and creditMrs L requested a freeze on her credit card account as the interest rate was due to increase. She thought this would mean no interest would be charged on her account. However, she was charged interest and feels she has been misled by Vanquis Bank Limited. Mrs L also complains about the ... (2 pages)View decision -
Decision Reference DRN4423815
28 Jun 2013 Bournes Limited UpheldBanking and creditMiss B complains about Bournes Limited’s, (trading as Bournes Debt Solutions) handling of her debt management plan. She has been making her payment to it regularly each month, but only a small amount of that has been used to repay her creditors.backgroundMiss B asked Bournes for help t... (2 pages)View decision -
Decision Reference DRN-4481675
11 Mar 2024 Fluent Money Limited Not upheldMortgagesDRN-4481675 The complaint Mr and Mrs B complain that Fluent Money Limited mis-sold them a second charge mortgage (secured loan). What happened In 2018 Mr and Mrs B approached Fluent Money, a mortgage broker, for advice about taking a secured loan to consolidate unsecured debt. They origina... (3 pages)View decision -
Decision Reference DRN-3380861
21 Jun 2022 Avantcredit Of Uk, Llc UpheldConsumer CreditDRN-3380861 The complaint Ms F complains about AvantCredit of UK, LCC (“AC”) and their decision to provide her with a high-interest loan which she was unable to afford. What happened In February 2017, Ms F applied for a high-interest loan with AC. This application was approved, and Ms F wa... (4 pages)View decision -
Decision Reference DRN-4844987
11 Jun 2024 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-4844987 The complaint and what happened Mr C complains that Creation Consumer Finance Ltd lent to him irresponsibly and without carrying out proper affordability checks. He would like all the fees and charges associated with the loan refunded, as well as compensation for the length of ... (2 pages)View decision -
Decision Reference DRN6797780
21 Nov 2014 Microcredit Limited UpheldBanking and creditMr U has complained that Microcredit Limited, trading as MiniCredit.co.uk has applied excessive charges to a loan of £220 he took out in November 2012. backgroundMr U borrowed £220 from MiniCredit in November 2012. The total amount repayable was £283.80 within 30 days. Mr U entered into... (2 pages)View decision -
Decision Reference DRN5415398
19 Sep 2019 Legal & General Partnership Services Limited Not upheldBanking and creditAn appointed representative of Legal & General Partnership Services Limited (L&G) made a recommendation to Mr and Mrs P for a remortgage. They also consolidated a credit card debt and three loans into the new mortgage. They complain through their solicitors that the advice was unsu... (3 pages)View decision -
Decision Reference DRN0663256
22 Jan 2019 Lowell Financial Ltd Not upheldBanking and creditMrs H complains that a default marker should have been put on her credit file when she wasissued with a default notice in 2008. She says this means the default wouldn’t now show onher file as more than six years have passed since it should have been added.background... (3 pages)View decision
