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 70 results
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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-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 -
Decision Reference DRN7884865
30 Mar 2021 Quilter Financial Planning Solutions Limited Not upheldInvestment and pensionsMr G’s complaint is that an adviser with Positive Solutions, now Quilter Financial Planning Solutions Limited, gave him unsuitable advice to transfer his existing pensions to a self- invested personal pension (SIPP) in order to invest in a Harlequin Property investment scheme. Mr G thinks... (11 pages)View decision -
Decision Reference DRN-5043634
21 Oct 2024 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-5043634 The complaint Mr S complains that Frasers Group Financial Services Limited trading as Studio was irresponsible in its lending to him. He wants all interest charged to be refunded along with statutory interest and any adverse information to be removed from his credit file. Wh... (4 pages)View decision -
Decision Reference DRN-5124445
4 Nov 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5124445 The complaint Mr and Mrs H’s complaint is, in essence, that Shawbrook Bank Limited (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 (2)... (16 pages)View decision -
Decision Reference DRN-5087432
31 Oct 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5087432 The complaint Mr D complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Hitachi Personal 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 Act 1974 (... (14 pages)View decision -
Decision Reference DRN-4233807
7 Jul 2023 Logbook Money Limited Not upheldConsumer CreditDRN-4233807 The complaint Mr S complains that Logbook Money Limited provided a logbook loan to him which he was unable to afford to repay. What happened Mr S made an application for a loan to Logbook Money in July 2021. As it was a logbook loan, he provided his car as security for the loan... (4 pages)View decision -
Decision Reference DRN-5598099
4 Jun 2025 First Holiday Finance Ltd UpheldConsumer CreditDRN-5598099 The complaint Mr and Mrs H complain 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 (2) deciding agains... (25 pages)View decision -
Decision Reference DRN-5210078
16 Dec 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5210078 The complaint Mr and Mrs E’s complaint is, in essence, that Shawbrook Bank Limited (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 (2)... (13 pages)View decision
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