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 370902 results
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Decision Reference DRN-4920896
22 Jul 2024 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-4920896 The complaint Mrs S complains that Shop Direct Finance Company Limited (“Shop Direct”) lent to her irresponsibly through her catalogue shopping account. She says the lending was unaffordable for her. What happened In December 2017, Mrs S opened a Littlewoods catalogue shopp... (6 pages)View decision -
Decision Reference DRN-4920870
22 Jul 2024 First Central Underwriting Limited Not upheldInsuranceDRN-4920870 The complaint Mr S complains First Central Underwriting Limited declined to offer him an insurance policy. What happened Mr S tried to take out car insurance through a comparison website. He found a quote, with First Central as the insurer, but was ultimately declined cover.... (3 pages)View decision -
Decision Reference DRN-4895290
22 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4895290 The complaint Mr B complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card account and credit limit increases (CLIs) that he couldn’t afford. What happened In August 2021, Mr B applied for, and obtained, a NewDay credit card account. The cre... (3 pages)View decision -
Decision Reference DRN-4920719
22 Jul 2024 National Westminster Bank Plc UpheldBanking and PaymentsDRN-4920719 The complaint Ms B complains that National Westminster Bank Plc (‘NatWest’) won’t refund the money she lost after falling victim to a scam. What happened In 2021, Ms B found an investment opportunity being promoted on a social media app. Ms B says she was interested in a wa... (5 pages)View decision -
Decision Reference DRN-4915227
22 Jul 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4915227 Complaint Mr M complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In March 2019, Moneybarn p... (4 pages)View decision -
Decision Reference DRN-4878541
22 Jul 2024 Startline Motor Finance Limited Not upheldConsumer CreditDRN-4878541 Complaint Mr C complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the agreement was unaffordable. Background Mr C also complained about the commission that SMF paid to the broker that arranged hi... (3 pages)View decision -
Decision Reference DRN-4919998
22 Jul 2024 Madison CF UK Limited Not upheldConsumer CreditDRN-4919998 Complaint Mr R has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says the loan was unaffordable. Background 118 118 Money provided Mr R with a loan for £2,500.00 in March 2021. This loan was due to be repaid in 12 monthly ins... (2 pages)View decision -
Decision Reference DRN-4912011
22 Jul 2024 Zopa Bank Limited Not upheldBanking and PaymentsDRN-4912011 Complaint Mr H has complained that Zopa Bank Limited (“Zopa”) irresponsibly provided him with a credit card, which it then increased the credit limit on, without checking his circumstances and when he was fighting a gambling addiction. Background In February 2022, Zopa prov... (3 pages)View decision -
Decision Reference DRN-4908600
22 Jul 2024 MBNA Limited Not upheldBanking and PaymentsDRN-4908600 Complaint Mr L has complained about a credit card and subsequent credit limit increases that MBNA Limited (“MBNA”) provided to him. He says his financial situation was not considered adequately and this resulted in him being issued with a credit card and a limit increase wh... (4 pages)View decision -
Decision Reference DRN-4908408
22 Jul 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4908408 Complaint Mr G has complained about a personal loan Zopa Bank Limited (“Zopa”) which he says it unfairly lent to him. He says that this loan was unaffordable for him. Background Zopa provided Mr G with a loan for £6,000.00 in February 2022. This loan had an APR of 20.5% and... (3 pages)View decision
