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
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Decision Reference DRN-3972279
24 Mar 2023 Madison CF UK Limited UpheldConsumer CreditDRN-3972279 The complaint Mr A complains about the loan Madison CF UK LLC, trading as 118 118 Money, approved for him. He says it was unaffordable. Mr A also says that Madison got it wrong by not accepting his reduced settlement figure when he offered it to them. He says Madison has report... (8 pages)View decision -
Decision Reference DRN4365262
8 Jan 2019 Loans 2 Go Limited UpheldBanking and creditMiss D has complained about a series of loans she was provided with by Loans 2 Go Limited (“L2G”). She says there were several times where she missed payments and fell into default which nearly resulted in her car being taken. As a regular customer, the (loan applic... (20 pages)View decision -
Decision Reference DRN6183964
13 Sep 2018 Oakbrook Finance Limited Not upheldBanking and creditMr A complains that Oakbrook Finance Limited (“OFL”) engaged in irresponsible lending to him and relied on incorrect information on his credit file.backgroundMr A says OFL didn’t complete an income and expenditure form when he applied for his loan. He says he under... (2 pages)View decision -
Decision Reference DRN3287238
26 Jul 2018 Virgin Money plc Not upheldBanking and creditMrs I complains that she was mis-sold an interest only mortgage by Virgin Money Plc in 2004. Mrs I was sold a mortgage by Northern Rock, although this borrowing transferred to Virgin Money Plc during the mortgage term. It’s Virgin Money who have responded to this co... (4 pages)View decision -
Decision Reference DRN-3020054
17 Nov 2021 UK Credit Limited Not upheldConsumer CreditDRN-3020054 The complaint Mrs S complains about a loan provided to her by UK Credit limited, (“UK Credit”) which she says was unaffordable. What happened Mrs S was given a guarantor loan by UK Credit. She took the loan out in July 2018 for £7500 and was due to repay it in 60 monthly instal... (3 pages)View decision -
Decision Reference DRN-4199122
21 Jun 2023 My Finance Club Limited UpheldConsumer CreditDRN-4199122 The complaint Mr M complains that My Finance Club Limited lent to him when he could not afford it. Mr M also complains about the way he was treated and he says that the management of his loan accounts was poor. Mr M is not content about the way his complaint was handled by My F... (11 pages)View decision -
Decision Reference DRN-2771294
5 Jul 2021 George Banco Limited Not upheldConsumer CreditDRN-2771294 The complaint Mr R complains about a loan provided to him by George Banco Limited, (“George Banco”) which he says was unaffordable. What happened Mr R was given a single loan by George Banco. He took the loan out on 6 January 2020 for £2000 and was due to repay it in 36 monthly... (3 pages)View decision -
Decision Reference DRN-3963180
17 Feb 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3963180 The complaint Mr R1, represented by Mr R2, says Tesco Personal Finance PLC, trading as Tesco Bank, irresponsibly lent to him. For ease of reading, I will refer to all points made by Mr R2 as being from Mr R1 and I will refer to Mr R1 as Mr R throughout this decision. What happe... (3 pages)View decision -
Decision Reference DRN-3268431
14 Feb 2022 S.D. Taylor Limited UpheldConsumer CreditDRN-3268431 The complaint Ms W, through her representative, complains that S.D. Taylor Limited, trading as loansathome4u (LAH) lent to her irresponsibly. Ms W entered an individual voluntary arrangement (IVA) on 3 March 2020. Ms W’s insolvency practitioners have been made aware of this com... (6 pages)View decision -
Decision Reference DRN-3754405
7 Nov 2022 Loans 2 Go Limited Not upheldConsumer CreditDRN-3754405 The complaint Mr W complains through his representative that Loans 2 Go Limited irresponsibly lent him money on high cost loans that he couldn’t afford to repay. What happened Loans 2 Go provided Mr W with the following loans: Date of loan Amount Repayment period Monthly instal... (3 pages)View decision
