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 400694 results
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Decision Reference DRN-6262911
21 Apr 2026 Janus Henderson Fund Management UK Limited Not upheldInvestmentsDRN-6262911 The complaint Mr D complains that Janus Henderson Fund Management UK Limited (‘JH’) has failed to correctly resolve an error it made when transferring funds within his investment account. What happened On 3 March 2025, JH received a fund switch request from Mr D to move £2,... (3 pages)View decision -
Decision Reference DRN-4762877
21 Apr 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4762877 The complaint Mr M’s complaint is, in essence, that Mitsubishi HC Capital UK PLC, trading as Novuna 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 197... (19 pages)View decision -
Decision Reference DRN-6297335
21 Apr 2026 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-6297335 The complaint Mrs C complains that a car that was supplied to her under a finance agreement with CA Auto Finance UK Limited wasn’t of satisfactory quality. What happened A used car was supplied to Mrs C under a finance agreement with CA Auto Finance that she electronically s... (4 pages)View decision -
Decision Reference DRN-6046396
21 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6046396 The complaint Mr T has complained that Barclays Bank UK PLC filed to intervene when he was experiencing problem gambling. What happened Mr T had two accounts with Barclays. He’s explained that over the years, he’s struggled with gambling, with a pivotal change taking place f... (2 pages)View decision -
Decision Reference DRN-6124107
21 Apr 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6124107 The complaint Ms R complains that a car that was supplied to her under a hire purchase agreement with BMW Financial Services (GB) Limited, trading as Alphera Financial Services, wasn’t of satisfactory quality. What happened A used car was supplied to Ms R under a hire purcha... (2 pages)View decision -
Decision Reference DRN-6296310
21 Apr 2026 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-6296310 The complaint Mr B complains that a car that was supplied to him under a hire purchase agreement with N.I.I.B. Group Limited, trading as Northridge Finance, wasn’t of satisfactory quality. What happened A used car was supplied to Mr B under a hire purchase agreement with Nor... (3 pages)View decision -
Decision Reference DRN-6279906
21 Apr 2026 Lendable Ltd UpheldConsumer CreditDRN-6279906 The complaint Mr P is unhappy that a car supplied to him under a hire purchase agreement with Lendable Ltd trading as Autolend (Lendable) was of an unsatisfactory quality. What happened In September 2025 Mr P was supplied with a used car through a hire purchase agreement wit... (6 pages)View decision -
Decision Reference DRN-6193061
21 Apr 2026 FIRST RESPONSE FINANCE LIMITED Not upheldConsumer CreditDRN-6193061 The complaint Mr T complains that a hire purchase agreement with First Response Finance Limited, under which a motorbike was supplied to him, wasn’t affordable. What happened A used motorbike was supplied to Mr T under a hire purchase agreement with First Response Finance th... (2 pages)View decision -
Decision Reference DRN-6305393
21 Apr 2026 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-6305393 The complaint Miss N complains that Clydesdale Bank Plc trading as Virgin Money (Virgin Money) irresponsibly lent to her when she was provided with a credit card. What happened Miss N applied online for a Virgin Money credit card. The application was accepted, and an accoun... (7 pages)View decision -
Decision Reference DRN-6256897
21 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6256897 The complaint Miss B complains that Moneybarn No. 1 Limited provided her with credit irresponsibly when it supplied a car to her under a conditional sale agreement and about other issues relating to that agreement. What happened A used car was supplied to Miss B under a cond... (3 pages)View decision
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