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 388057 results
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Decision Reference DRN-5539656
8 Dec 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5539656 The complaint Mr P complains MONEYBARN NO.1 LIMITED (Moneybarn) irresponsibly lent to him because it didn’t carry out reasonable and proportionate checks to ensure the lending was affordable. What happened Mr P took out a conditional sale agreement with Moneybarn in order t... (3 pages)View decision -
Decision Reference DRN-5992454
8 Dec 2025 Trading 212 UK Limited Not upheldInvestmentsDRN-5992454 The complaint Your text here What happened Your text here What I’ve decided – and why I’ve considered all the available evidence and arguments to decide what’s fair and reasonable in the circumstances of this complaint. Your text here My final decision Your text here Under t... (1 page)View decision -
Decision Reference DRN-5948213
8 Dec 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5948213 Complaint Miss C complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the payments to her agreement were unaffordable. Background In June 2016, MotoNovo provided Miss C with finance for a ... (3 pages)View decision -
Decision Reference DRN-5978898
8 Dec 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5978898 Complaint Miss H has complained about a credit card Capital One Europe plc (“Capital One”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background Capital One provided Miss H with a credit card with a limit of £200 in... (3 pages)View decision -
Decision Reference DRN-5918214
8 Dec 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5918214 Complaint Ms C complains that Moneybarn No.1 Ltd (trading as “Moneybarn”) unfairly entered into a conditional-sale agreement with her. She’s said the agreement was unaffordable for her. Background In August 2022, Moneybarn provided Ms C with finance for a used car. The cash... (3 pages)View decision -
Decision Reference DRN-5806675
8 Dec 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5806675 Complaint Miss S has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says that it ought to have known the loan was unaffordable and therefore it shouldn’t have provided it to her. Background 118 118 Money provided Miss S with... (3 pages)View decision -
Decision Reference DRN-5925057
8 Dec 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5925057 Complaint Ms D complains that Startline Motor Finance Limited (“Startline”) unfairly entered into a hire- purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In March 2021... (3 pages)View decision -
Decision Reference DRN-5937921
8 Dec 2025 Oakbrook Finance Limited Not upheldConsumer CreditDRN-5937921 Complaint Mr M has complained about a loan Oakbrook Finance Limited (trading as “Finio Loans”) provided to him. He says he shouldn’t have been lent to as the loan was unaffordable. Background Finio Loans provided Mr M with a loan for £1,000.00 in August 2023. This loan was ... (3 pages)View decision -
Decision Reference DRN-5926419
8 Dec 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5926419 Complaint Mrs W has complained about the overdraft charges Bank of Scotland plc (“Halifax”) applied to her account. She’s said that she was unfairly allowed to use her overdraft even when it was clear that she couldn’t afford to. Background Mrs W’s earliest statements, fro... (3 pages)View decision -
Decision Reference DRN-5784298
8 Dec 2025 Lendable Ltd Not upheldConsumer CreditDRN-5784298 Complaint Mr M complains that Lendable Ltd (“Lendable”) irresponsibly lent to him. Background Lendable provided Mr M with a loan for £9,500.00 in March 2025. This loan was due to be repaid in 47 monthly instalments of £254.75 and a final instalment of £252.84. One of our i... (3 pages)View decision