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-3383307
27 Apr 2022 Studio Retail Limited UpheldConsumer CreditDRN-3383307 The complaint Mr B has complained that Studio Retail Limited, trading as Ace, irresponsibly lent to him. What happened Mr B opened a shopping account with Studio Retail in April 2017. His account limit was initially very low - £125. Over the course of the next 14 months Mr B’s ... (3 pages)View decision -
Decision Reference DRN-3726518
8 Dec 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3726518 The complaint Miss N complains through her representative that Studio Retail Limited trading as Studio irresponsibly provided her with, and increased the credit limit on, a mail order account so she couldn’t afford the repayments. She also complains that it raised the interest ... (3 pages)View decision -
Decision Reference DRN-3776681
1 Dec 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3776681 The complaint Mr H complains that Studio Retail Limited irresponsibly increased the limit on his credit account such that he couldn’t afford the repayments. What happened Mr H applied for and was provided with a credit account by Studio in December 2020. The initial limit was £... (3 pages)View decision -
Decision Reference DRN-5413722
21 Mar 2025 Frasers Group Financial Services Limited Not upheldConsumer CreditDRN-5413722 The complaint Miss B complains that Frasers Group Financial Services Limited was irresponsible in its lending to her. She wants all interest and charges she has paid refunded and any adverse information recorded about this account removed from her credit file. What happened ... (4 pages)View decision -
Decision Reference DRN-5279162
23 Jan 2025 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5279162 The complaint Mr and Mrs L’s complaint is, in essence, that First Holiday Finance Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and ... (15 pages)View decision -
Decision Reference DRN-3012812
29 Jul 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3012812 The complaint Ms S complains that Studio Retail Limited lent to her irresponsibly. What happened Ms S applied for credit with Studio on in November 2017. The catalogue shopping account was opened with a credit limit of £100. Ms S says Studio should never have given her any cred... (2 pages)View decision -
Decision Reference DRN-4806141
10 Jun 2024 Frasers Group Financial Services Limited Not upheldConsumer CreditDRN-4806141 Complaint Miss C has complained about a catalogue shopping account Frasers Group Financial Services Limited (trading as “Studio”) provided to her. She says the catalogue shopping account was irresponsibly provided to her as it was unaffordable. Background In May 2020, Studio pr... (3 pages)View decision -
Decision Reference DRN-3816710
7 Dec 2022 Studio Retail Limited Not upheldConsumer CreditDRN-3816710 The complaint Miss R has complained that Studio Retail Limited irresponsibly lent to her. What happened Miss R opened a shopping account with Studio Retail in 2010. At that point her credit limit was £1,570. It was increased once in December 2016 by £380 to £1,950. Miss R says ... (3 pages)View decision -
Decision Reference DRN-5017911
18 Oct 2024 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-5017911 The complaint Miss L complains that Frasers Group Financial Services Limited trading as Studio was irresponsible in its lending to her. She wants all interest and charges applied to the account to be refunded along with statutory interest and any adverse information to be re... (3 pages)View decision -
Decision Reference DRN-4263269
28 Sep 2023 Studio Retail Limited UpheldConsumer CreditDRN-4263269 The complaint Miss H complains that Studio Retail Limited irresponsibly gave her a running credit account she couldn’t afford to repay. What happened In August 2019, Miss H applied for a running credit account with Studio. She was given an initial credit limit of £150. Studio i... (3 pages)View decision
