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-4223305
6 Jul 2023 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4223305 The complaint Miss U, who is represented by a third party, complains that Moneybarn No. 1 Limited (“Moneybarn”) irresponsibly granted her a conditional sale agreement (“agreement”) she couldn’t afford to repay. What happened In September 2017 Miss U acquired a used car financed... (2 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-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 -
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 DRN5085673
2 Nov 2020 TFS Loans Limited UpheldBanking and creditMrs L has complained that TFS Loans Limited (“TFS” or “the lender”) should not have agreed a guarantor loan for her in July 2015. background TFS agreed a loan of £3,000 for Mrs L on the 2 July 2015. The monthly repayment was £127 over a term of four years, and the total amount to be repaid... (5 pages)View decision -
Decision Reference DRN-3489403
25 Aug 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3489403 The complaint Mr C complains that MBNA Limited (“MBNA”) provided him with credit he couldn’t afford to repay. What happened MBNA approved a credit card application for Mr C in November 2017. They initially provided a credit limit of £5,200 but in August 2018 they increased the ... (2 pages)View decision -
Decision Reference DRN-5428031
26 Mar 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5428031 The complaint In summary, Miss W has complained that National Westminster Bank Plc, irresponsibly provided her with an overdraft and credit card. She’s also concerned that she wasn’t told that her account would be closed when she says it was being well managed. She is unhapp... (3 pages)View decision -
Decision Reference DRN7830747
28 Sep 2020 Gain Credit LLC UpheldBanking and creditMiss M says Gain Credit LLC trading as Drafty lent to her irresponsibly. She says whilst she borrowed a significant amount, because of the high interest charged, she is unable to reduce the balance. She says she needs Drafty to freeze the interest so she can repay the loan. backgroundThis ... (2 pages)View decision
