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-3644806
16 Sep 2022 Studio Retail Limited UpheldConsumer CreditDRN-3644806 The complaint Ms S says Studio Retail Limited (“Studio Retail”) irresponsibly lent to her. She has requested that interest and late payment charges she paid on the account from when she was given a credit limit increase in March 2013 be refunded. What happened This complaint is... (4 pages)View decision -
Decision Reference DRN-4060795
25 Apr 2023 Studio Retail Limited Not upheldConsumer CreditDRN-4060795 The complaint Miss T has complained that Studio Retail Limited, trading as Studio, lent to her irresponsibly. What happened Miss T opened a shopping account with Studio Retail in December 2020. Her account limit was initially set at £500. Her credit limit was increased once in ... (3 pages)View decision -
Decision Reference DRN-3609455
15 Sep 2022 Studio Retail Limited UpheldConsumer CreditDRN-3609455 The complaint Mrs Y, who is represented by a third party, says Studio Retail (“Studio Retail”), trading as Ace, irresponsibly lent to her. She has requested that interest and late payment charges she paid on the account from October 2016 be refunded. What happened This complain... (4 pages)View decision -
Decision Reference DRN7394298
29 Mar 2021 Studio Retail Limited UpheldBanking and creditMiss C complains that Studio Retail Limited (“Studio”) lent to her in an irresponsible manner. background Miss C was provided with a catalogue shopping account by Studio in June 2000. Her credit limit was initially set at £234 and was then gradually increased until it reached £1,164 in Mar... (4 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-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 -
Decision Reference DRN-3898821
13 Jan 2023 Studio Retail Limited UpheldConsumer CreditDRN-3898821 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... (4 pages)View decision -
Decision Reference DRN-3803729
13 Jan 2023 Studio Retail Limited UpheldConsumer CreditDRN-3803729 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... (4 pages)View decision -
Decision Reference DRN-4692831
25 Mar 2024 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-4692831 Complaint Miss C has effectively complained that Studio Retail Limited (“Studio”) irresponsibly provided her with a catalogue shopping account and limit increases despite the fact that they were unaffordable. Background In September 2019, Miss C was provided with a catalogue sh... (5 pages)View decision -
Decision Reference DRN-4001606
23 Jun 2023 Studio Retail Limited UpheldConsumer CreditDRN-4001606 The complaint L, a firm, complains on behalf of Mrs D that Studio Retail Limited irresponsibly issued her with, and raised the limit on, a credit account. What happened Mrs D successfully applied to Studio for a credit account in May 2020. The initial credit limit was £300, whi... (3 pages)View decision
