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 DRN0637745
22 Mar 2021 J D Williams & Company Limited UpheldBanking and creditMiss T complains that the amount of credit she had from J D Williams & Company Limited was unaffordable to her. background Miss T opened two accounts with JDW in June 2012, with a credit limit of £200 on each. She continued to make purchases on Account S*610 until July 2016. Her credit... (4 pages)View decision -
Decision Reference DRN-2940329
23 Jul 2021 Blue Motor Finance Ltd UpheldConsumer CreditDRN-2940329 Complaint Mr T has complained about a hire-purchase agreement that Blue Motor Finance Ltd (“BMF”) entered into with him. He’s said the agreement was unaffordable for him as he already had a car on finance which he was making payments to. He’s also said that he wasn’t told the t... (8 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 -
Decision Reference DRN-4742270
16 Apr 2024 Bamboo Limited UpheldConsumer CreditDRN-4742270 The complaint Miss C complains that Bamboo Limited was irresponsible to lend to her on two occasions. What happened Bamboo agreed two loans for Miss C. The first was for £1,000 agreed in May 2021. This was to be repaid over five years with monthly repayments of £44. The second ... (5 pages)View decision -
Decision Reference DRN-4115370
10 May 2023 Everyday Lending Limited UpheldConsumer CreditDRN-4115370 The complaint Miss S complains that Everyday Lending Limited (EDL) was irresponsible to lend to her on two occasions. What happened EDL agreed two loans for Miss S. The first was for £1,500 agreed in July 2007. This was to be repaid over two years with 23 monthly repayments of ... (5 pages)View decision -
Decision Reference DRN-5076684
4 Feb 2025 Black Horse Limited UpheldConsumer CreditDRN-5076684 The complaint Mrs M complained that Black Horse Limited (‘Black Horse’), irresponsibly granted her a finance agreement she couldn’t afford to repay. What happened In January 2022 Mrs M acquired a caravan holiday home, financed in part by a hire purchase agreement from Black... (5 pages)View decision -
Decision Reference DRN4626665
27 Mar 2019 Everyday Lending Limited UpheldBanking and creditMr T has complained about five personal loans he took out with Everyday Lending Limited (trading as “Everyday Loans”). He says that Everyday Loans irresponsibly provided the loans to him.backgroundThis complaint is about five loans Mr T was provided with between August ... (16 pages)View decision -
Decision Reference DRN-2668170
9 Aug 2021 Studio Retail Limited UpheldConsumer CreditDRN-2668170 The complaint Mrs N complains that Studio Retail Limited (“Studio Retail”) irresponsibly increased the credit limit on a catalogue shopping account and continued to allow her to borrow when it should have been clear she was facing financial difficulties. What happened Mrs N ope... (4 pages)View decision -
Decision Reference DRN-2728203
16 Apr 2021 J D Williams & Company Limited UpheldConsumer CreditDRN-2728203 The complaint Mr B complains that J D Williams & Company Limited trading as Jacamo (“JDW”) irresponsibly increased the credit limit on a catalogue shopping account, and continued to allow him to borrow when it should have been clear he was facing financial difficulties. Wha... (4 pages)View decision -
Decision Reference DRN6983774
28 Mar 2019 Inventive Finance Limited UpheldBanking and creditMr D complains about a multi-pay loan Inventive Finance Limited (trading as Ladder Loans) lent to him. He says he couldn’t afford the loan.backgroundLadder Loans lent Mr D one loan in June 2013 for £1,500. The loan was due to be repaid in 18 monthly instalments.I is... (7 pages)View decision
