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 DRN1204492
23 Nov 2015 Firstplus Financial Group Plc Not upheldBanking and creditMr C complains that Firstplus Financial Group Plc mis-sold his loan and mismanaged his account. His complaint is brought by his representative on his behalf.backgroundIn January 2006 Mr C and his then partner, Ms B, (who were married in June 2006) took out a secured... (3 pages)View decision -
Decision Reference DRN-4595000
1 Feb 2024 Madison CF UK Limited UpheldConsumer CreditDRN-4595000 The complaint Mrs M complains that Madison CF UK Limited trading as 118 118 Money (“118 118”) irresponsibly agreed a loan for her. What happened 118 118 agreed a loan of £4,000 for Mrs M in August 2022. The total amount owed was £7,665.12 to be repaid at £212.92 a month over 36... (4 pages)View decision -
Decision Reference DRN-4786114
13 May 2024 Zopa Bank Limited UpheldConsumer CreditDRN-4786114 The complaint Miss T complains that Zopa Bank Limited irresponsibly agreed a loan for her. What happened Zopa agreed a loan of £7,000 for Miss T in November 2019. The total amount owed was £10,744.92 to be repaid in 36 instalments of £298.47. Miss T complained to Zopa that it w... (3 pages)View decision -
Decision Reference DRN-4529263
22 Dec 2023 Salary Finance Limited UpheldConsumer CreditDRN-4529263 The complaint Mr H complains that Salary Finance Limited irresponsibly agreed a loan for him. What happened Salary Finance agreed a loan of £7,000 for Mr H in August 2022. The total amount owed was £10,775 to be repaid at £180 a month over 60 months (figures rounded). I underst... (3 pages)View decision -
Decision Reference DRN-5094522
27 Nov 2024 MBNA Limited UpheldBanking and PaymentsDRN-5094522 The complaint Mr H complains that MBNA Limited was irresponsible when it offered him a credit card account. What happened MBNA opened a credit card account for Mr H in August 2020 with a credit limit of £8,000. I understand the facility was withdrawn in March 2024. Mr H co... (5 pages)View decision -
Decision Reference DRN-4601768
5 Feb 2024 Chetwood Financial Limited UpheldConsumer CreditDRN-4601768 The complaint Mr S complains that Chetwood Financial Limited irresponsibly agreed loans for him. What happened Chetwood agreed two loans for Mr S, both on 11 July 2022. The first was agreed under its trading name BetterBorrow and the second under the name LiveLend. I’ve summari... (4 pages)View decision -
Decision Reference DRN-4712859
29 Mar 2024 Progressive Money Limited UpheldConsumer CreditDRN-4712859 The complaint Mrs A complains that Progressive Money Limited (“PML”) irresponsibly agreed a loan for her. Mrs A brought her complaint to us via a representative but I will refer to her throughout for simplicity. What happened PML agreed a loan of £10,000 for Mrs A in December 2... (4 pages)View decision -
Decision Reference DRN-3436369
10 May 2022 Everyday Lending Limited UpheldConsumer CreditDRN-3436369 The complaint Mr M, through his representative, complains that Everyday Lending Limited, trading as Everyday Loans, lent to him irresponsibly. What happened From what I’ve seen, Mr M was given the following loans by Everyday Lending: Date taken Amount Term Monthly repayment Loa... (4 pages)View decision -
Decision Reference DRN2621033
25 Mar 2021 BMW Financial Services (GB) Limited Not upheldBanking and creditComplaint Mr H has complained about a hire-purchase agreement that he entered into with BMW Financial Services (GB) Limited (“BMW”). He’s said the agreement was unaffordable for him as he didn’t have a job at the time. He’s also said that he wasn’t told about the need to have fully compreh... (13 pages)View decision -
Decision Reference DRN-4601872
5 Feb 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4601872 The complaint Miss J complains that Oakbrook Finance Limited trading as Likely Loans irresponsibly agreed loans for her. What happened Likely Loans agreed two loans for Miss J. The first was taken out in May 2021, the second in July 2022. I’ve summarised some of the information... (4 pages)View decision
