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-5128900
6 Nov 2024 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5128900 The complaint Mr D’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit... (10 pages)View decision -
Decision Reference DRN-4315434
12 Dec 2023 Tandem Personal Loans Ltd Not upheldConsumer CreditDRN-4315434 The complaint Mr B complains that Tandem Personal Loans Limited won’t refund to him the money that he paid for a holiday club vacation week. His wife is also involved in his complaint and he’s being represented by a claims management company. What happened Mr B and his wife had... (8 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 -
Decision Reference DRN-2251369
4 Nov 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2251369 The complaint Mr S has complained about a number of loans he took out through a company called Provident Personal Credit Limited, trading at the time as “Satsuma”. He says Satsuma lent to him irresponsibly because the loans he was provided with caused him financial problems. Wh... (3 pages)View decision -
Decision Reference DRN0367596
5 Mar 2021 Everyday Lending Limited UpheldBanking and creditMs T and Mr D have complained about a personal loan from Everyday Lending Limited trading as Everyday Loans. They say the loan was unaffordable and that Everyday Loans lent to them irresponsibly. background I issued a provisional decision about this matter in December 2020 which I summaris... (5 pages)View decision -
Decision Reference DRN4398426
8 Aug 2014 Loans 2 Go Limited UpheldBanking and creditMr D complains about a log book loan he took out with Loans 2 Go Limited (L2G). He says L2G has acted irresponsibly in allowing him to take out the loan as he could not afford the repayments. An organisation that I shall refer to as “E” represents Mr D in this complaint. our initial ... (3 pages)View decision -
Decision Reference DRN-4265642
25 Jul 2023 The Enterprise Fund Limited UpheldConsumer CreditDRN-4265642 The complaint Mrs D complains that The Enterprise Fund Limited trading as GC Business Finance (GCBF) was irresponsible to lend to her. What happened GCBF agreed a loan of £13,000 for Mrs D in March 2019. The total amount owed was £15,136.28 to be repaid over five years. The fir... (4 pages)View decision -
Decision Reference DRN-3922387
11 Dec 2023 Vacation Finance Limited Not upheldConsumer CreditDRN-3922387 The complaint Mr and Mrs B complain that Vacation Finance Limited, trading as VFL Finance Solutions, won’t refund to them the money that they paid for some holiday club vacation weeks. They’re being represented in their complaint by a claims management company. What happened Mr... (8 pages)View decision -
Decision Reference DRN7583965
24 Jun 2014 Black Horse Limited UpheldBanking and creditThis complaint is about a secured loan lent to Mrs A and Mrs B by Black Horse Limited (“Black Horse”). Mrs A and (on her behalf) Mr C complain that Black Horse lent irresponsibly, didn’t give Mrs B life cover, and has not treated the borrowers fairly. backgroundIn 2007 Mrs A and her moth... (4 pages)View decision -
Decision Reference DRN5132754
23 Jul 2021 Novitas Loans Ltd UpheldBanking and creditComplaint Miss H complains Novitas Loans Ltd (“Novitas”) has treated her unfairly in relation to a loan she took out to fund legal proceedings. Background The background to this complaint, and my provisional findings on it, can be found in my provisional decision which is attached to and f... (21 pages)View decision
