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 18463 results
-
Decision Reference DRN-4348188
13 Sep 2023 Lantern Debt Recovery Services Ltd UpheldConsumer CreditDRN-4348188 The complaint Mr C complains Lantern Debt Recovery Services Ltd didn’t carry out due diligence when purchasing his debt from another company. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant eleme... (4 pages)View decision -
Decision Reference DRN-3102246
23 Dec 2021 NewDay Ltd UpheldConsumer CreditDRN-3102246 The complaint Mr H complains that NewDay Ltd (NewDay) closed his credit card account and charged him interest during payment holidays. What happened Mr H had a marbles loan and credit card from NewDay. The loan was for £2,400 payable over 24 months and was repaid. The credit ca... (3 pages)View decision -
Decision Reference DRN-4179328
1 Sep 2023 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-4179328 The complaint In summary, Mr B complains that Capital One (Europe) Plc, hasn’t helped him with the credit card account he has with it. He’s said he has been using the account to its limit, struggled to make the monthly payments and has been in persistent debt for many years. Wh... (3 pages)View decision -
Decision Reference DRN-3835677
1 Dec 2022 MBNA Limited UpheldBanking and PaymentsDRN-3835677 The complaint Mr B complains that MBNA Limited irresponsibly lent to him. What happened Mr B opened a credit card account with MBNA in August 2016. His credit limit was set at £7,500 and increased to £9,300 in April 2017. He opened a second credit card in February 2017 and his ... (3 pages)View decision -
Decision Reference DRN1424214
7 Mar 2017 Provident Personal Credit Limited Not upheldBanking and creditMiss S complains that the loan she received from Provident Personal Credit Limited (trading as ‘Real’) wasn’t affordable.backgroundMiss S took the loan out in 2009. She later complained to Provident that it hadn’t been affordable. And, being unhappy with its respons... (2 pages)View decision -
Decision Reference DRN7441370
20 Sep 2018 Mobile Money Limited Not upheldBanking and creditMr T complains that Mobile Money Limited (“MML”) engaged in irresponsible lending to him.backgroundMr T says he took out a logbook loan with MML in March 2017 repayable over 18 months and he took out a top up loan with it in September 2017, repayable over 36 mont... (5 pages)View decision -
Decision Reference DRN-4400143
18 Oct 2023 Salad Finance Limited Not upheldConsumer CreditDRN-4400143 The complaint Miss K says Salad Finance Limited, trading as Salad Money, irresponsibly lent to her. What happened Miss K took out a £1,000 loan over 12 months from Salad Money on 12 October 2021. The monthly repayments were £112.58 and the total repayable was £1,347.48. Miss K ... (2 pages)View decision -
Decision Reference DRN-3958960
29 Jun 2023 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-3958960 The complaint Miss M complains that Shop Direct Finance Company Limited (SDFC) irresponsibly increased the credit limit on her credit account so she couldn’t afford the repayments. What happened Miss M successfully applied for a credit account with SDFC in October 2017. She was... (3 pages)View decision -
Decision Reference DRN-4626703
9 May 2024 First Response Finance Ltd Not upheldConsumer CreditDRN-4626703 The complaint Mr D and Miss P complain that First Response Finance Ltd (“First Response”) unfairly entered into a hire purchase agreement (“agreement”) with them. They say that the monthly payments to this agreement were unaffordable given their circumstances at the time and th... (4 pages)View decision -
Decision Reference DRN-3783447
25 Jan 2023 Tesco Personal Finance PLC Not upheldConsumer CreditDRN-3783447 The complaint Miss C says Tesco Personal Finance PLC irresponsibly lent to her. What happened Miss C took out a loan from Tesco for £6,500 over 60 months in April 2018. The monthly repayments were £152.47 and the total repayable was £9,163.20. Miss C says she had to take out ot... (2 pages)View decision
