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 DRN9408494
21 Feb 2014 Carcashpoint Limited Not upheldBanking and creditMr G complains that Carcashpoint Limited misrepresented the terms of his loan agreement, and the loan was unaffordable.backgroundMr G said that CarCashPoint did not ask for any proof of income when he applied for a loan, and this was irresponsible lending. He also said he was not provi... (2 pages)View decision -
Decision Reference DRN3973113
26 Jun 2019 Uncle Buck Finance LLP Not upheldBanking and creditMr T complains about Uncle Buck Finance LLP. He says his complaint is about: breach of complaints procedure harassment breach of written contract regarding a repayment plan attempts to ‘syphon’ money from him breach of the loan agreementMr T has also said his co... (6 pages)View decision -
Decision Reference DRN-3759495
17 Nov 2022 Morses Club PLC UpheldConsumer CreditDRN-3759495 The complaint Mr A complains that Morses Club PLC lent to him irresponsibly. Mr A also complains that the breathing space period he agreed with Morses, alternatively he was in (pursuant to regulations), was breached by Morses in that it sent to him a notice of intended default.... (8 pages)View decision -
Decision Reference DRN-5002451
11 Sep 2024 Loans 2 Go Limited Not upheldConsumer CreditDRN-5002451 The complaint Ms F says Loans 2 Go Limited irresponsibly lent to her. What happened Ms F took out a 24-month instalment loan for £1,500 from Loans 2 Go on 27 January 2023. The monthly repayments were £202 and the total repayable was £4,848. Ms F says this loan with its high... (3 pages)View decision -
Decision Reference DRN5191592
14 Feb 2018 Shop Direct Finance Company Limited Not upheldBanking and creditMiss C complains that Shop Direct Finance Company Limited engaged in irresponsible lending in relation to her credit account.backgroundMiss C complained to SDF about this matter. And, being unhappy with its response, she complained to this service.Miss C says SDF added ... (2 pages)View decision -
Decision Reference DRN-4735414
1 May 2024 Tesco Personal Finance PLC UpheldConsumer CreditDRN-4735414 The complaint Miss F says Tesco Personal Finance PLC (TPF), trading as Tesco Bank, irresponsibly lent to her. What happened Miss F took out a £17,000 loan over 84 months from TPF in September 2018. The monthly repayments were £273.66 and the total repayable was £22,987.44. Miss... (3 pages)View decision -
Decision Reference DRN-2499705
11 Feb 2021 Morses Club PLC Not upheldConsumer CreditDRN-2499705 The complaint Mrs J says Morses Club PLC (Morses) lent to her irresponsibly. She says that she ended up in a debt spiral as the loans weren’t affordable. She says that Morses should have seen this and not lent to her. What happened This complaint is about two home collected loa... (2 pages)View decision -
Decision Reference DRN-3818498
11 Jan 2023 J D Williams & Company Limited UpheldConsumer CreditDRN-3818498 The complaint Mr S says J D Williams & Company Limited (“J D Williams”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on his account be refunded. What happened This complaint is about a catalogue shopping account provided by ... (3 pages)View decision -
Decision Reference DRN-4288174
29 Feb 2024 Monzo Bank Ltd Not upheldBanking and PaymentsDRN-4288174 The complaint Mr H complains that Monzo Bank Ltd closed his account without notice and lent irresponsibly to him. What happened In June 2021 Monzo approved Mr H’s overdraft application of £750, with two increases in August and September 2021. Monzo also approved a loan in March... (3 pages)View decision -
Decision Reference DRN-3051844
7 Oct 2021 Madison CF UK Limited UpheldConsumer CreditDRN-3051844 The complaint Mr G says Madison CF UK Limited (trading as 118 118 Money) lent to him irresponsibly. What happened Mr G took out a 12-month instalment loan for £1,500 on 8 March 2014 from 118 118 Money. The monthly repayment was £176.53 and the total repayable was £2,118.36. He ... (3 pages)View decision
