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-3314826
21 Feb 2022 1plus1 Loans Limited UpheldConsumer CreditDRN-3314826 The complaint Mr A is complaining that 1Plus1 Loans Limited irresponsibly lent to him. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute, so I’ll focus on giving the reasons for my decisio... (2 pages)View decision -
Decision Reference DRN-4227609
16 Oct 2023 Studio Retail Limited Not upheldConsumer CreditDRN-4227609 The complaint Miss V has complained that Studio Retail Limited (“Studio”) irresponsibly lent to her when it provided her with a shopping account. What happened Miss V applied for a shopping account in December 2020. She was initially provided with a £125 credit facility. In Fe... (2 pages)View decision -
Decision Reference DRN-3726711
4 Oct 2022 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-3726711 The complaint Miss O complains that Volkswagen Financial Services (UK) Limited irresponsibly granted her a hire purchase agreement she couldn’t afford to repay. What happened In February 2020, Miss O acquired a used car financed by a hire purchase agreement from VWFS. Miss O wa... (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 DRN-2783958
19 Jun 2021 Loans 2 Go Limited Not upheldConsumer CreditDRN-2783958 The complaint Mr C has complained about the cost of a loan he took from Loans 2 Go Limited (Loans2Go). He says the rate of interest being charged is too high and that Loans2Go has taken advantage of him. What happened Mr C applied online in January 2020 for a loan of £870. This... (2 pages)View decision -
Decision Reference DRN-3757713
2 Nov 2022 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-3757713 The complaint Mr A says that National Westminster Bank Plc (NatWest) irresponsibly lent to him. He says NatWest increased his credit limit even though there was a default. What happened NatWest approved Mr A’s application for a credit card in 2011 with an initial credit limit o... (2 pages)View decision -
Decision Reference DRN-3455160
28 Jun 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3455160 The complaint Miss G complains that Studio Retail Limited (‘Studio Retail’) irresponsibly gave her a running account credit facility that she couldn’t afford. What happened In 2012, Miss G applied for a running credit account with Studio Retail. She was given an initial credit ... (2 pages)View decision -
Decision Reference DRN-3550683
11 Aug 2022 Virgin Money Personal Financial Service Ltd Not upheldConsumer CreditDRN-3550683 The complaint Mr B complains that Virgin Money Personal Financial Service Ltd (‘Virgin’) irresponsibly gave him a loan without adequate checks. What happened On 26 May 2021, Mr B applied for a loan of £7,000 with Virgin. In 2021, Mr B brought a complaint to us about Virgin to s... (2 pages)View decision -
Decision Reference DRN-4038431
12 Apr 2023 Arrow Global Limited UpheldBanking and PaymentsDRN-4038431 The complaint Mrs B complains that despite agreeing a partial settlement for a debt owned by Arrow Global Limited trading as Arrow Global the full account balance was later returned to the original lender. What happened Mrs B had a credit card with a business I’ll call V. The c... (2 pages)View decision -
Decision Reference DRN-3675713
30 Sep 2022 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-3675713 The complaint Miss F complains that Creation Consumer Finance Ltd (“Creation”), irresponsibly granted her a credit account with Currys. What happened In September 2020 Miss F entered into a credit agreement with Currys. She was given a credit limit facility of £4,000 on her acc... (2 pages)View decision
