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 66 results
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Decision Reference DRN-4333604
23 Jan 2024 Frasers Group Financial Services Limited Not upheldConsumer CreditDRN-4333604 The complaint Ms S complains that Frasers Group Financial Services Limited (Studio) lent to her irresponsibly. Ms S says she's in financial difficulties and she can’t afford the repayments. This in turn has had an impact on her already poor health and financial situation. ... (3 pages)View decision -
Decision Reference DRN-3336656
27 Apr 2022 Studio Retail Limited UpheldConsumer CreditDRN-3336656 The complaint Mrs W has complained that Studio Retail Limited irresponsibly lent to her. What happened Mrs W opened a shopping account with Studio Retail in 2011. Due to the time that has passed since then there isn’t a record of what her initial account limit was, although we ... (3 pages)View decision -
Decision Reference DRN-4361723
21 Sep 2023 Studio Retail Limited UpheldConsumer CreditDRN-4361723 The complaint Ms W, who is represented by a third party, says Studio Retail Limited (“Studio Retail”) irresponsibly lent to her. She has requested that the interest and late payment charges she paid on her account be refunded. What happened This complaint is about a shopping ac... (3 pages)View decision -
Decision Reference DRN-4130245
21 Sep 2023 Studio Retail Limited UpheldConsumer CreditDRN-4130245 The complaint Mrs M, who is represented by a third party, says Studio Retail Limited (“Studio Retail”) irresponsibly lent to her. She has requested that the interest and late payment charges she paid on the account be refunded. What happened This complaint is about a shopping a... (3 pages)View decision -
Decision Reference DRN-3892729
23 Feb 2023 Studio Retail Limited UpheldConsumer CreditDRN-3892729 The complaint Miss S says Studio Retail Limited (“Studio Retail”) irresponsibly lent to her. She has requested that interest and late payment charges she paid on her shopping account be refunded. What happened This complaint is about a Studio Retail shopping account Studio Reta... (3 pages)View decision -
Decision Reference DRN-5421061
7 Apr 2025 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-5421061 The complaint Miss M complains Frasers Group Financial Services Limited trading as Studio (Studio) irresponsibly agreed lending she couldn’t afford. What happened In November 2019 Miss M applied for a catalogue account with Studio. Her application was successful and Studio a... (3 pages)View decision -
Decision Reference DRN-4236188
20 Nov 2023 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-4236188 The complaint Ms D complains that Studio Retail Limited lent to her irresponsibly. What happened Ms D applied for a credit facility with Studio in June 2020. Studio assessed her application and agreed a limit of £150, which it increased to £350 in October 2020. Ms D says the li... (4 pages)View decision -
Decision Reference DRN-4646936
27 Feb 2024 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-4646936 Complaint Miss B says Frasers Group Financial Services Limited (trading as “Studio”) irresponsibly provided her with a catalogue shopping account which it then unfairly increased the credit limit on. Background This complaint is about a catalogue shopping account Studio initial... (3 pages)View decision -
Decision Reference DRN-4197450
6 Oct 2023 Studio Retail Limited UpheldConsumer CreditDRN-4197450 The complaint Miss S complains that Studio Retail Limited trading as Ace (‘Studio Retail’) irresponsibly gave her a revolving credit account that she couldn’t afford. For simplicity I’ll refer to the revolving credit account as ‘the account’ or ‘the credit account’ in this deci... (3 pages)View decision -
Decision Reference DRN-5472002
16 Apr 2025 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-5472002 The complaint Mr C complains that Frasers Group Financial Services Limited trading as Studio acted irresponsibly by agreeing to open a catalogue account and to provide subsequent credit limit increases. In bringing his complaint Mr C is represented by a third party. For ease... (4 pages)View decision
