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 19711 results
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Decision Reference DRN-2909131
16 Aug 2021 Vehicle Credit Limited Not upheldConsumer CreditDRN-2909131 The complaint Mr R is unhappy with the service provided by Vehicle Credit Limited (‘VCL’), when they supplied him with a car under a hire purchase agreement. What happened On 8 July 2017, Mr R was supplied with a used car through a hire purchase agreement with VCL. The agreemen... (5 pages)View decision -
Decision Reference DRN-1953826
7 Sep 2020 S.D. Taylor Limited UpheldConsumer CreditDRN-1953826The complaintMrs M says S.D. Taylor Limited trading as Loans At Home (LAH) lent to her irresponsibly. She says that the representative didn’t really consider her circumstances or the information she provided at the time of sale. If he had done she says LAH wouldn’t have lent to ... (3 pages)View decision -
Decision Reference DRN-3116146
24 Oct 2021 TFS Loans Limited UpheldConsumer CreditDRN-3116146 The complaint Mr M has complained that TFS Loans Limited (“TFS Loans”) provided him with an unaffordable loan. What happened TFS Loans provided Mr M with a loan of £5,000 in August 2010. This loan had a 48-month term with a monthly repayment amount of £244.80. This all meant th... (4 pages)View decision -
Decision Reference DRN-3780582
13 Dec 2022 Next Retail Limited UpheldConsumer CreditDRN-3780582 The complaint Miss U says Next Retail Limited (“Next”) irresponsibly lent to her. She has requested that the interest and late payment charges she paid on the account she had be refunded. What happened This complaint is about a catalogue shopping account provided by Next to Mis... (3 pages)View decision -
Decision Reference DRN-3525146
20 Jul 2022 NewDay Ltd UpheldBanking and PaymentsPage 1 of 3The complaint Ms C says NewDay Ltd (‘NewDay’) irresponsibly lent to her. What happened This complaint is about a credit card account NewDay provided. The account was opened in November 2015. Ms C was given an initial credit limit of £450. This limit was increased three times unt... (3 pages)View decision -
Decision Reference DRN-2293573
30 Oct 2020 S.D. Taylor Limited UpheldConsumer CreditDRN-2293573 The complaint Miss M complains that S.D. Taylor Limited (trading as Loans at Home (LAH)) lent to her irresponsibly. What happened Our adjudicator thought the complaint should be upheld in part. LAH disagreed with the adjudicator’s opinion. The complaint was then passed to an om... (7 pages)View decision -
Decision Reference DRN-4979485
21 Aug 2024 MBNA Limited Not upheldConsumer CreditDRN-4979485 The complaint Mr I complains that MBNA Limited was irresponsible to lend to him and that its customer service was lacking. What happened Mr I was approved for a loan with MBNA in July 2022 as follows: Date Amount Term Repayment 16 Jul 2022 £12,000 84 months £190.38 Mr I’s... (3 pages)View decision -
Decision Reference DRN-4730415
9 Apr 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4730415 The complaint Mr F complains National Westminster Bank Plc (NatWest) have unfairly charged him overdraft fees during a period of financial difficulties. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the rel... (4 pages)View decision -
Decision Reference DRN6563949
21 Jan 2020 Gain Credit LLC Not upheldBanking and creditMr G complains about information which Gain Credit LLC (trading as Lending Stream) recorded on his credit file.backgroundMr G took out two loans with Lending Stream in 2013.LoanDateAmountNo. of instalments104.08.13£5006220.09.13£2506Mr G made the repayments due in August and September 2013... (3 pages)View decision -
Decision Reference DRN4608982
25 Mar 2019 Express Finance (Bromley) Limited Not upheldBanking and creditMr A complains that Express Finance (Bromley) Limited trading as Payday Express lent to him irresponsibly. background Payday Express’ records show that a running account credit agreement was entered into with Mr A on 19 December 2011. The ‘drawdowns’ were for specific ti... (2 pages)View decision
