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 19751 results
-
Decision Reference DRN-3492393
23 May 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3492393 The complaint Ms C complains that Studio Retail Limited (‘Studio Retail’) irresponsibly gave her a running account credit facility that she couldn’t afford. What happened On 22 September 2016, Ms C applied for a credit account with Studio Retail. She was given an initial credit... (2 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-2377072
27 Nov 2020 Oakam Ltd UpheldConsumer CreditDRN-2377072 The complaint Mr W complained to Oakam Ltd (Oakam) that it irresponsibly provided him with a number of loans. Mr W also said, that he didn’t understand why he had an outstanding balance because Oakam had stopped taking payments from his account. What happened Our adjudicator up... (15 pages)View decision -
Decision Reference DRN-5153502
3 Dec 2024 Fluro Platform Limited Not upheldConsumer CreditDRN-5153502 The complaint Mr W says Fluro Platform Limited irresponsibly lent to him. What happened Mr W took out a loan for £20,000 over 60 months on 13 November 2023 for home improvements. The monthly repayments were £474.95 and the total repayable was £28,508.80. The loan is now part... (3 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 -
Decision Reference DRN-3944428
3 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3944428 The complaint Miss P says Barclays Bank UK PLC trading as Barclaycard lent to her irresponsibly and it failed to provide her with the necessary support when she experienced financial difficulties. What happened The facts of the complaint are well known to both parties, so I wil... (4 pages)View decision -
Decision Reference DRN-4921078
2 Aug 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4921078 The complaint Mr F complains that Monzo Bank Ltd (“Monzo”) acted irresponsibly by providing him with a flex running credit account. What happened In May 2023 Monzo granted Mr F an increased credit limit of £5,500. Mr F says that Monzo shouldn’t have granted him the increase... (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 DRN-4708497
11 Apr 2024 Madison CF UK Limited UpheldBanking and PaymentsDRN-4708497 The complaint Mr J complains that Madison CF UK Limited (trading as 118 118 Money) was irresponsible to lend to him and provided poor customer service. What happened Mr J was approved for a credit card with 118 118 Money in May 2021. This was followed by a credit limit increase... (3 pages)View decision -
Decision Reference DRN-1773299
11 Dec 2020 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-1773299 The complaint Mrs S is unhappy that Capital One (Europe) plc igave her a credit card with a credit limit of £300 in May 2018. Mrs S believes that this was an instance of irresponsible lending, as Capital One (Europe) plc did not conduct appropriate checks, which would have demo... (3 pages)View decision
