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 17876 results
-
Decision Reference DRN-2009595
28 Aug 2020 MYJAR Limited UpheldConsumer CreditDRN-2009595The complaintMr S says MYJAR Limited irresponsibly lent to him. He also says that MYJAR has applied a default against him incorrectly. What happenedThis complaint is about an instalment loan MYJAR provided to Mr S in June 2018. The amount borrowed was £725 and it was due to be r... (3 pages)View decision -
Decision Reference DRN-4592241
26 Jul 2024 Next Retail Limited Not upheldConsumer CreditDRN-4592241 The complaint Mr S complains about Next Retail Limited reporting an arrangement to pay on his credit file. What happened Mr S has a catalogue shopping account with Next. In 2018, Next increased the credit limit on his account from £150 to £3,750. Not long afterwards, Mr S go... (2 pages)View decision -
Decision Reference DRN7231183
16 Jun 2016 Lending Stream Llc UpheldBanking and creditMiss J complains that Lending Stream Llc didn’t carry out proper affordability checks and irresponsibly granted her unaffordable short term loans. She wants the balance written off, charges and interest refunded, compensation and her credit file amended.backgroundLendin... (2 pages)View decision -
Decision Reference DRN-1034275
7 May 2020 PayPal Europe Sarl & Cie, SCA Not upheldBanking and PaymentsDRN-1034275 The complaintMr W complains that PayPal Europe Sarl & Cie, SCA registered a default on his credit file in relation to his credit account. Mr W made an earlier complaint about irresponsible lending, which isn't dealt with here.What happenedIn December 2017, Mr W applied... (2 pages)View decision -
Decision Reference DRN6959163
13 Aug 2019 Casheuronet UK LLC Not upheldBanking and creditMiss H says CashEuroNet UK LLC, trading as Pounds to Pocket, lent to her irresponsibly.backgroundMiss H borrowed one instalment loan from Pounds to Pocket in April 2011. The loan amount was £1,050 and it was due to be repaid in 12 monthly instalments of about £160.One of our adjudicators c... (2 pages)View decision -
Decision Reference DRN7709711
4 Jul 2014 NRAM plc Not upheldBanking and creditMiss A and Mr B have complained about irresponsible lending by NRAM plc when it granted them a mortgage in 2007. The complaint has been conducted by Mr B on behalf of himself and Miss A.backgroundIn August 2007 Miss A and Mr B took out a ‘Together’ mortgage with NRAM. Against a purchase ... (2 pages)View decision -
Decision Reference DRN-3004602
18 Oct 2021 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3004602 Complaint Miss O has complained about an overdraft Bank of Scotland (trading as “Halifax”) provided to her. She says the overdraft was unaffordable and shouldn’t have been provided. Background Halifax provided Miss O with a student overdraft for £1,000.00 in February 2017. The ... (2 pages)View decision -
Decision Reference DRN-3709156
4 Oct 2022 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-3709156 The complaint Mrs H complains that Moneybarn No. 1 Limited trading as Moneybarn irresponsibly granted her a conditional sale agreement she couldn’t afford to repay. What happened In February 2019, Mrs H acquired a used car financed by a conditional sale agreement from Moneybarn... (2 pages)View decision -
Decision Reference DRN-2887083
14 Feb 2022 Bamboo Limited UpheldConsumer CreditDRN-2887083 The complaint Mr R complains Bamboo Limited (trading as Bamboo Loans) lent to him irresponsibly. What happened In March 2015 Mr R applied for, and was given a guarantor loan for £5,000, which was repayable over a period of 48 months. Bamboo paid the loan funds to the guarantor ... (3 pages)View decision -
Decision Reference DRN-4217854
29 Jun 2023 Cabot Financial (Europe) Limited Not upheldMortgagesDRN-4217854 The complaint Ms T’s complaint is about a secured loan she took out in 2007 with Lender W, which is now owned by Cabot Financial (Europe) Limited. Ms T’s representative has said: the loan was mis-sold because it was lent irresponsibly as it was not affordable. This is because ... (3 pages)View decision
