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 114 results
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Decision Reference DRN-5087479
12 Nov 2024 Premium Plan Limited Not upheldConsumer CreditDRN-5087479 The complaint Ms A complains that Premium Plan Limited trading as Premium Plan was irresponsible in its lending to her. She wants all interest, fees and charges she paid on her hire purchase agreement refunded along with interest and compensation for the distress and inconve... (3 pages)View decision -
Decision Reference DRN-2019618
2 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2019618 The complaint Ms A says that she did not receive visits from a Provident agent regularly at times. This made it harder to repay her loans. She also says that Provident Personal Credit Limited lent to her irresponsibly. I’ve looked at this part of her complaint separately. What ... (2 pages)View decision -
Decision Reference DRN4767203
22 Mar 2016 MBNA Limited UpheldPayment protection insurance (PPI)Ms E’s complaint is about the compensation offered by MBNA Limited (MBNA) to settle her complaint about two mis-sold payment protection insurance (PPI) policies.backgroundMs E took out two credit cards, one in 1998 and the second in 2007. With each card account she al... (6 pages)View decision -
Decision Reference DRN-3543721
15 Jun 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3543721 The Complaint Mr J says that Everyday Lending Limited (trading as Everyday Loans) (the ‘Business’) lent to him irresponsibly when he was granted a personal loan on 23 May 2012. Background to the Complaint The Business provided Mr J with a £3,000 loan (the ‘Primary Loan’). It ha... (6 pages)View decision -
Decision Reference DRN-3590058
21 Jul 2022 Everyday Lending Limited Not upheldConsumer CreditDRN-3590058 The complaint Miss R, through her representative, complains that Everyday Lending Limited lent to her irresponsibly. What happened Miss R says that she applied for a loan and it was approved in February 2010. It was for £1,400 repayable over 24 months and the monthly repayments... (4 pages)View decision -
Decision Reference DRN2102426
3 Oct 2014 Black Horse Limited Not upheldPayment protection insurance (PPI)Mr W and Miss H’s complaint concerns two loans, one secured one unsecured taken with Black Horse Limited. They consider that the amount they repaid to a secured loan when settling it early was too high – and that Black Horse failed to properly explain the early settlement provisions or... (3 pages)View decision -
Decision Reference DRN-4944423
2 Oct 2024 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-4944423 The complaint Mr F, who is represented by a third party, complains that Bank of Scotland plc trading as Halifax (‘Halifax’), irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In November 2007, Mr F applied for and was given a c... (3 pages)View decision -
Decision Reference DRN-3391192
14 Apr 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3391192 The complaint Ms M complains that Everyday Lending Limited lent her money on a high interest loan which she was unable to afford to repay. What happened Ms M was provided with a loan by Everyday on 30 June 2014 for £2,500, plus a life insurance premium of £187, repayable over 2... (3 pages)View decision -
Decision Reference DRN-5522490
29 May 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5522490 The complaint With the help of a professional representative (PR), Ms B complains that FirstRand Bank Limited trading as MotoNovo Finance (MotoNovo) lent to her irresponsibly. For ease I’ll refer to the actions of the PR as being those of Ms B. What happened On 27 January 20... (3 pages)View decision -
Decision Reference DRN4200357
10 May 2016 PDL Finance Limited Not upheldBanking and creditMr C’s complaint is that PDL Finance Limited (“PDL”) loaned to him irresponsibly from 2013 by giving him nine short-term loans that he couldn’t afford.backgroundIn August 2013, Mr C took a loan with PDL for £200. He repaid this, and in October says he was offered ... (3 pages)View decision
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