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 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 -
Decision Reference DRN9510044
25 Jun 2013 Lloyds TSB Bank Plc Not upheldBanking and creditMr A’s complaint includes issues covering his own borrowing, personal guarantees that he gave as a director of a company (D) and the conduct of D’s account. Specifically, Mr A complains that Lloyds TSB Bank Plc:-was irresponsible to give him a personal loan at a time when it viewed h... (5 pages)View decision -
Decision Reference DRN4116649
17 Jan 2019 Premium Credit Limited Not upheldBanking and creditMr S complains that Premium Credit Limited declined his application for credit at short notice and that it provided him with poor customer service. He’d like compensation for what happened.background I set out the background to this case and my provisional findings in... (5 pages)View decision -
Decision Reference DRN3778758
29 Sep 2015 Clydesdale Financial Services Limited Not upheldBanking and creditMr M complains he was mis-sold a solar panel system and a loan provided by Clydesdale Financial Services Limited (trading as Barclays Partner Finance) and he can’t afford repayments. background The background to this complaint and my initial conclusions were set out in... (8 pages)View decision -
Decision Reference DRN-4447162
10 Nov 2023 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4447162 The complaint Mr P says that Oplo PL Ltd (who I’ll call “Oplo”) unfairly declined his claims under the Consumer Credit Act 1974 (the ‘CCA’) in relation to a timeshare product he was sold in May 2019. He also says the loan wasn’t affordable for him and that Oplo were therefore i... (6 pages)View decision -
Decision Reference DRN-3135914
3 Aug 2022 Close Brothers Limited UpheldConsumer CreditDRN-3135914 The complaint Miss W has complained about Close Brothers Limited (CBL) which provided a loan enabling her to pay monthly for her car insurance. What happened Miss W took out a car insurance policy in January 2020 and arranged to pay for this monthly by virtue of a running-accou... (3 pages)View decision -
Decision Reference DRN-3462068
10 May 2022 UK Credit Limited Not upheldConsumer CreditDRN-3462068 The complaint Ms K complains that UK Credit Limited (“UK Credit”) lent to her in an irresponsible manner. What happened Ms K was given a guarantor loan by UK Credit in August 2018. She borrowed £4500 and agreed to repay this over 24 months. The guarantor for this loan was Ms K’... (2 pages)View decision -
Decision Reference DRN-4858636
18 Jun 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4858636 The complaint Mr T complains that Madison CF UK Limited trading as 118 118 Money (“118 118”) irresponsibly agreed a loan for him. What happened 118 118 agreed a loan of £1,500 for Mr T in June 2023. The total amount owed was £2,622.96 to be repaid at £109.29 a month over 24 mon... (4 pages)View decision -
Decision Reference DRN-4730031
9 Apr 2024 Evolution Lending Limited UpheldMortgagesDRN-4730031 The complaint Miss R has complained about two secured loans she took out with Evolution Lending Limited. She said the lending was irresponsible and unaffordable. What happened Miss R owned two rental properties and lived with her mother. Miss R had first charge mortgages on bot... (8 pages)View decision -
Decision Reference DRN3320951
10 Aug 2018 Casheuronet UK LLC UpheldBanking and creditMr R complains that CashEuroNet UK LLC, trading as QuickQuid (“QQ”), gave him a loan that he couldn’t afford to repay.backgroundMr R took out one loan with QQ for £350 plus interest on 7 July 2012. The loan was repayable by two instalments, but wasn’t repaid on the ... (4 pages)View decision
