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 17876 results
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Decision Reference DRN-3192316
7 Feb 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3192316 The complaint Miss G says Everyday Lending Limited (Everyday) lent to her irresponsibly. She also complains that Everyday has, in summary: Breached General Data Protection Regulations (GDPR). Not provided information in a timely manner about her loan. Some of the information ... (4 pages)View decision -
Decision Reference DRN4079431
16 Dec 2014 Hanif Automotive Limited Not upheldBanking and creditMiss T has complained that Hanif Automotive Limited, trading as WLMG Nissan, misled her about the finance agreement she took out to enable her partner to purchase a car.backgroundMiss T, with her partner, were viewing cars. As her partner was unable to get any credit, she took out a cond... (2 pages)View decision -
Decision Reference DRN-3445233
1 Jun 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3445233 The complaint Mr J is unhappy Barclays Bank UK Plc (trading as Barclaycard) registered a default against him for missed payments on his credit card. What happened Mr J took out a Barclaycard credit card in 2013. His credit limit was increased from £400 to £1,900 in 2016, but Mr... (3 pages)View decision -
Decision Reference DRN-3020936
1 Sep 2021 Indigo Michael Limited Not upheldConsumer CreditDRN-3020936 The complaint Mr H complained that Indigo Michael Limited, trading as SafetyNet Credit (SNC), lent to him irresponsibly. Mr H later complained that a payment removed from his account in September 2018 was done without his permission and he says was an unauthorised payment to SN... (4 pages)View decision -
Decision Reference DRN-4615912
30 Oct 2024 FirstRand Bank Limited Not upheldConsumer CreditDRN-4615912 The complaint Mrs A complains that FirstRand Bank Limited trading as MotoNovo Finance was irresponsible to have agreed car finance for her in 2014. What happened MotoNovo entered into a hire purchase agreement for a car with Mrs A in March 2014. The price of the car was £16... (3 pages)View decision -
Decision Reference DRN-3084855
9 Nov 2021 247 Money Group Limited Not upheldConsumer CreditDRN-3084855 The complaint Mr C complains that 247 Money Group Limited trading as 247Money irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In October 2019 Mr C acquired a used car financed by a hire purchase agreement from 247Money. Mr C was re... (2 pages)View decision -
Decision Reference DRN-3934051
14 Apr 2023 Novaloans Ltd Not upheldConsumer CreditDRN-3934051 The complaint Mrs B complains that Novaloans Ltd, trading as cash4unow, lent to her when she could not afford it. And afterwards the Novaloans representatives were harassing her with a lot of telephone calls about the debt. What happened Mrs B was approved for two loans with No... (10 pages)View decision -
Decision Reference DRN-3666768
1 Sep 2022 Evergreen Finance London Limited UpheldConsumer CreditDRN-3666768 The complaint Ms B complains that two loans were lent to her by Evergreen Finance London Limited, trading as MoneyBoat.co.uk, when she could not afford them. And Ms B complains that before pursuing her through the Courts for the debt on loan 2 MoneyBoat ought to have done more.... (8 pages)View decision -
Decision Reference DRN-4232893
31 Jul 2023 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-4232893 The complaint Mr and Mrs W complain that Lloyds Bank PLC (“Lloyds”) acted irresponsibly when it allowed them to increase their overdraft limit from £1,000 to £2,500. They want Lloyds to remove the default applied to their credit files. What happened Mr and Mrs W held an accoun... (3 pages)View decision -
Decision Reference DRN-3465759
7 Sep 2022 Morses Club PLC Not upheldConsumer CreditPage 1 of 5The complaint Mr M has two complaints about Morses Club PLC. The first is that Morses lent to him irresponsibly in September 2021. The second is that when he wanted to reborrow 10 weeks later the policy had been changed (in August 2021) to mean he was not able to ask for more cr... (5 pages)View decision
