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 18371 results
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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-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 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-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-5237375
3 Jan 2025 Tesco Personal Finance Limited Not upheldBanking and PaymentsDRN-5237375 The complaint Miss D complains that Tesco Personal Finance Limited trading as Tesco Bank irresponsibly lent to her. What happened Miss D applied for a Tesco credit card in August 2023, and her application was accepted. She was given a £8,500 credit limit. Miss D says that Te... (2 pages)View decision -
Decision Reference DRN-2715453
14 Apr 2021 Hoist Finance UK Limited Not upheldConsumer CreditDRN-2715453 The complaint Mr D has complained that Hoist Finance UK Limited didn’t send him the documents he asked for. What happened This complaint is about a credit card account from 2013, which was sold to Hoist in 2018. In 2020, Mr D asked Hoist for certain documents such as the credit... (2 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 -
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-5216943
19 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5216943 The complaint Mr C, represented by a third party, complains that NewDay was irresponsible in its lending to him. What happened In April 2017 NewDay provided Mr C with a credit card with an initial limit of £300. The limit was increased on five occasions bringing it to £4,85... (3 pages)View decision -
Decision Reference DRN-4672615
26 Mar 2024 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-4672615 The complaint Miss M complains that HSBC UK Bank Plc was irresponsible in its lending to her. What happened Miss M says that HSBC gave her a £5,000 overdraft when she graduated even though her monthly income was £1,200. And it also provided her with a credit card with a high cr... (2 pages)View decision
