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 118878 results
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Decision Reference DRN-3452996
28 Apr 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3452996 The complaint Ms B says Loans 2 Go Limited lent to her irresponsibly. What happened Ms B took out an 18-month instalment loan for £1,000 on 7 November 2020. The monthly repayments were £228.56 and the total repayable was £4,114.08. I understand there is an outstanding balance. ... (3 pages)View decision -
Decision Reference DRN-3401591
28 Apr 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3401591 The complaint Miss S says Loans 2 Go Ltd irresponsibly lent to her. What happened This complaint is about an 18-month instalment loan for £600 that Loans 2 Go provided to Miss S on 18 January 2021. The monthly repayments were £137.13 and the total repayable was £2,468.34. Miss ... (3 pages)View decision -
Decision Reference DRN-3310282
28 Apr 2022 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-3310282 The complaint Mr P complains about the quality of a car he has been financing through an agreement with BMW Financial Services (GB) Limited (“BMWFS”). What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll foc... (2 pages)View decision -
Decision Reference DRN-3436181
28 Apr 2022 National Westminster Bank Plc UpheldBanking and PaymentsDRN-3436181 The complaint Mr Z complains about National Westminster Bank Plc (NWB) and their decision to stop two online payments. What happened Mr Z holds a current account provided by NWB. On 29 September 2021, Mr Z attempted to make a payment of £2,849. Mr Z says this payment showed as ... (3 pages)View decision -
Decision Reference DRN-3300159
28 Apr 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3300159 The complaint Mrs M is unhappy Bank of Scotland plc trading as Halifax lost her son’s provisional driving licence when she applied to have him as an additional card holder on her credit card account. What happened Mrs M says she has a credit card account with Halifax that she’s... (4 pages)View decision -
Decision Reference DRN-3443053
28 Apr 2022 Harvey & Thompson Limited UpheldConsumer CreditDRN-3443053 The complaint Mr G complains Harvey & Thompson Limited trading as (H&T) gave him loans when he had a significant amount of other debt as well as a high number of defaults on his credit file. What happened Mr G took two loans between December 2016 and July 2017. I’ve inc... (7 pages)View decision -
Decision Reference DRN-3306993
28 Apr 2022 Lex Autolease Ltd UpheldConsumer CreditDRN-3306993 The complaint Mrs L has complained about the way Lex Autolease Ltd trading as Jaguar Contract Hire (Lex) administered a hire agreement. What happened Mrs L entered into a 49 month hire agreement with Lex to acquire a car in March 2018. The agreement had an initial rental of £2,... (4 pages)View decision -
Decision Reference DRN-3171225
28 Apr 2022 MotoNovo Finance Limited UpheldConsumer CreditDRN-3171225 The complaint Mr S is unhappy that MotoNovo Finance Limited (“MotoNovo”) didn’t reinstate his Direct Debit following a payment deferral. He complains this led to MotoNovo reporting adverse information to credit reference agencies. What happened Mr S acquired a car under a 49 mo... (3 pages)View decision -
Decision Reference DRN-3435122
28 Apr 2022 ReAssure Limited UpheldPensions and AnnuitiesDRN-3435122 The complaint Mrs H complains about the misleading information ReAssure Limited gave her about a family income benefit plan her late husband took out. She also complains about the very poor customer service she received when the payments stopped in mid-2018. Mrs H has explained... (17 pages)View decision -
Decision Reference DRN-3445640
28 Apr 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3445640 The complaint Mr W complained that Loans 2 Go Limited didn’t do proper affordability checks and so lent to him irresponsibly and provided loans that were unaffordable. What happened Mr W took out loans with Loans 2 Go as follows: Loan Date taken Loan amount Monthly instalments ... (4 pages)View decision
