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 21091 results
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Decision Reference DRN-2784008
25 May 2021 TFS Loans Limited UpheldConsumer CreditDRN-2784008 The complaint Mrs H has complained that TFS Loans Limited (“TFS Loans”) provided her with an unaffordable loan. What happened TFS Loans provided Mrs H with a loan of £2,000.00 in November 2010. This loan had a 30- month term with a monthly repayment amount of £143.73. This all ... (4 pages)View decision -
Decision Reference DRN-3857704
14 Dec 2022 Lendable Ltd Not upheldConsumer CreditDRN-3857704 The complaint Miss J complains of irresponsible lending by Lendable Ltd. What happened Lendable provided Miss J with a loan for £3,000 on 22 January 2022, repayable over 24 months at the monthly rate of £170.82. She complained to Lendable that the lending was unaffordable and t... (4 pages)View decision -
Decision Reference DRN-3678336
12 Sep 2022 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-3678336 The complaint Mr V complains that Creation Consumer Finance Ltd irresponsibly granted him a fixed sum loan he couldn’t afford to repay. He also complains that it didn’t offer his assistance when he told it he couldn’t meet the repayments. What happened In January 2018, Mr V acq... (2 pages)View decision -
Decision Reference DRN-4600109
30 Apr 2024 Santander UK Plc Not upheldConsumer CreditDRN-4600109 The complaint Mr S complains that Santander UK Plc lent to him irresponsibly. What happened Mr S applied on-line to Santander for a £10,000 loan on 18 August 2023. He supplied information on the application form, the loan was processed and approved. The total to pay over the th... (5 pages)View decision -
Decision Reference DRN0521741
30 Sep 2020 Indigo Michael Limited UpheldBanking and creditMrs N has complained that Indigo Michael Limited lent to her irresponsibly. background and findings I issued my provisional decision on 11 September 2020 and that is attached and forms part of this final decision. Indigo Michael responded and had nothing to add. I have received nothing fro... (3 pages)View decision -
Decision Reference DRN-3798922
28 Nov 2022 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-3798922 The complaint Mrs S complains that Mitsubishi HC Capital UK Plc, trading as Novuna Personal Finance, irresponsibly lent to her. What happened Mrs S took out a 60-month fixed sum loan for £12,500 from Novuna on 4 February 2018. The monthly repayments were £226.55 and the total r... (2 pages)View decision -
Decision Reference DRN3512218
12 Apr 2019 Casheuronet UK LLC UpheldBanking and creditMiss E says CashEuroNet UK LLC, trading as QuickQuid, lent to her irresponsibly.backgroundI sent Miss E and QuickQuid my provisional decision on 21 March 2019. A copy is attached and it forms part of this final decision. The full background to the complaint is set o... (3 pages)View decision -
Decision Reference DRN-3819490
9 Dec 2022 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3819490 The complaint The executor representing the estate of Mrs S complains that Barclays Bank UK PLC trading as Barclaycard lent irresponsibly to Mrs S. What happened In 2021, Mrs S passed away and her executor was appointed to her estate. When going through paperwork relating to Mr... (3 pages)View decision -
Decision Reference DRN-4503912
7 Mar 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4503912 The complaint Miss F complains about the way in which Bank of Scotland plc trading as Halifax handled her DSAR request. What happened In March 2023 Miss F made a DSAR to Halifax as part of her complaint about irresponsible lending. When Miss F received the DSAR it was outside o... (2 pages)View decision -
Decision Reference DRN-3747410
12 Oct 2022 Progressive Money Limited UpheldConsumer CreditDRN-3747410 The complaint Ms M complains through her representative that Progressive Money Limited (PML) irresponsibly lent her money that she couldn’t afford to repay. What happened PML provided Ms M with a loan of £6,000 on 7 June 2017, repayable over 60 months at the rate of £266.25 a m... (3 pages)View decision