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 DRN3273662
8 Feb 2021 J D Williams & Company Limited UpheldBanking and creditMrs P complains that JD Williams (“JDW”) was irresponsible to lend to her by increasing her credit limit multiple times. background Mrs P held catalogue shopping accounts with JDW under the Simply Be and Viva La Diva brands. I will deal with both those accounts in this decision. Mrs P says... (5 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 -
Decision Reference DRN-4290494
24 Aug 2023 PCF Bank Limited Not upheldConsumer CreditDRN-4290494 The complaint Miss V believes PCF Bank Limited acted irresponsibly by agreeing a conditional sale agreement she’d applied for. What happened In February 2019, Miss V was supplied with a used car through a conditional sale agreement with PCF. The agreement was for £8,995 over 60... (5 pages)View decision -
Decision Reference DRN-4670066
8 Mar 2024 Loans 2 Go Limited UpheldConsumer CreditDRN-4670066 The complaint Miss P complains that Loans 2 Go Limited (‘Loans 2 Go’) irresponsibly gave her a loan that she couldn’t afford. What happened On 22 March 2021, Miss P took out a loan for £1,000, over a term of 18 months, with a monthly premium of £180.56 and an APR of 556.9% (fix... (3 pages)View decision -
Decision Reference DRN9232533
8 Jan 2014 Black Horse Limited Not upheldBanking and creditThis complaint is about a series of secured personal loans that Mr and Mrs C took out with Black Horse Limited. Mr and Mrs C, who have third party representation, complain that the loans were mis-sold, on the basis that they were unaffordable and that the property on which they were se... (2 pages)View decision -
Decision Reference DRN-2618775
8 May 2021 Everyday Lending Limited UpheldConsumer CreditDRN-2618775 The complaint Mr F and Miss P complained that Everyday Lending Limited (EDL) lent to them irresponsibly. They’ve also complained that EDL didn’t treat them fairly when they had difficulties repaying the loan and it was rescheduled with a reduced interest rate but over a longer ... (4 pages)View decision -
Decision Reference DRN7237154
30 Jan 2019 Valour Finance Limited Not upheldBanking and creditMr S has complained about two instalment loans given to him by Valour Finance Limited (trading as “Savvy”). Mr S says he had a debt problem and it was irresponsible for Savvy to lend to him.backgroundMr S took out two instalment loans with Savvy between August 2015 an... (3 pages)View decision -
Decision Reference DRN-4146892
20 Jul 2023 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-4146892 The complaint Mr C believes Volkswagen Financial Services (UK) Limited trading as Audi Financial Services (‘VWFS’) acted irresponsibly by approving a hire purchase agreement he’d applied for. Mr C is being represented in this complaint by Ms K. However, for ease of reference, I... (5 pages)View decision -
Decision Reference DRN6973000
27 Nov 2019 Advanced Payment Solutions Limited UpheldBanking and creditMr D is unhappy Advanced Payment Solutions Limited (APS) didn’t tell him when he settledhis debt that it had been sold to a debt collection agency.backgroundMr D had an account with APS from September 2016. The account charged a monthlysubscription of £5.95.In September 2017, APS arranged ... (4 pages)View decision -
Decision Reference DRN-2309058
24 Nov 2020 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-2309058 The complaint Mr B complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) irresponsibly gave him a conditional sale agreement he couldn’t afford. Mr B is represented in this complaint by his relative, but for ease I’ll refer to their re... (4 pages)View decision
