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
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Decision Reference DRN-4709318
29 May 2024 Fairscore Ltd Not upheldConsumer CreditDRN-4709318 The complaint Mr D complains that Fairscore Ltd, trading as Updraft, provided him with credit that he couldn’t afford to repay. He also says that they were unreasonable to pursue the debt after he had told them he was dealing with a debt charity. What happened Fairscore approve... (2 pages)View decision -
Decision Reference DRN-2733014
5 May 2021 Loans 2 Go Limited UpheldConsumer CreditDRN-2733014 The complaint Mr E complained that Loans 2 Go Limited lent to him irresponsibly. What happened Mr E was given loans by Loans 2 Go as follows: Loan Date Taken Date Repaid Instalments Amount Repayment 1 15/12/2018 17/01/2019 18 £250.00 £56.64 2 01/03/2019 02/04/2019 18 £250.00 £5... (4 pages)View decision -
Decision Reference DRN-4398579
13 Oct 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4398579 The complaint Ms M, who is represented by a third party, complains that Everyday Lending Limited (“Everyday Lending”), irresponsibly approved her for a loan she couldn’t afford to repay. What happened In January 2018 Ms M entered into a loan agreement by way of a guarantor loa... (2 pages)View decision -
Decision Reference DRN-3293575
18 Mar 2022 Santander UK Plc UpheldConsumer CreditDRN-3293575 The complaint Mr M complains about finance he took out with Santander UK Plc (“Santander”). What happened I set out what happened leading up to and in the course of Mr M’s complaint in my provisional decision, which I issued earlier this year. To make this decision easier to re... (7 pages)View decision -
Decision Reference DRN-3961189
24 Feb 2023 Next Retail Limited Not upheldConsumer CreditDRN-3961189 The complaint Ms B complains that Next Retail Limited (“Next”) irresponsibly gave her a revolving credit catalogue account she couldn’t afford. What happened In March 2019 Ms B applied for and was accepted for a credit account with Next. She was given an initial credit limit of... (2 pages)View decision -
Decision Reference DRN-2968331
11 Aug 2021 Carcashpoint Limited UpheldConsumer CreditDRN-2968331 The complaint Mr W says CarCashPoint Limited lent to him irresponsibly. What happened Mr W borrowed £850 from CarCashPoint on 23 December 2014. The loan had a 156-week term, the weekly repayments were £25.07 and the total repayable was £3910.93. As Mr W was unable to make his r... (3 pages)View decision -
Decision Reference DRN0193183
30 Jun 2015 Microcredit Limited UpheldBanking and creditMr S has complained about the affordability of loans he took out with Microcredit Limited. He also says the interest and charges were extortionate.backgroundMr S took out a number of payday loans with Microcredit between December 2011 and April 2012. He repaid all of these ... (2 pages)View decision -
Decision Reference DRN-2778691
23 Nov 2021 Temple Finance Limited UpheldConsumer CreditDRN-2778691 The complaint Mr H complains Temple Finance Limited (trading as PerfectHome) lent to him irresponsibly. What happened Mr H entered into four finance agreements with PerfectHome to acquire electronic goods. In February 2017, Mr H entered into an agreement to acquire a smart pho... (4 pages)View decision -
Decision Reference DRN-2519881
18 Jan 2021 MBNA Limited Not upheldBanking and PaymentsDRN-2519881 The complaint Mrs G complains that lending MBNA Limited made to her in 2016 was irresponsible. Mrs G’s complaint has been brought to us on her behalf by professional representatives. What happened Mrs G took out a credit card with MBNA on 8 September 2016. She told MBNA that sh... (4 pages)View decision -
Decision Reference DRN-3866418
4 Jan 2023 Tesco Personal Finance PLC Not upheldBanking and PaymentsDRN-3866418 The complaint Mrs P complains that Tesco Personal Finance PLC trading as Tesco Bank (‘Tesco’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 2 June 2019, Mrs P’s credit card was opened by Tesco with an initial credit limit of £1,500. Thi... (2 pages)View decision
