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-5833992
5 Dec 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5833992 The complaint Miss Z complains that Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited (Cabot) are pursuing her for a debt when they haven’t proven they are entitled to it or that she is liable for it. What happened Miss Z’s complaint centres a... (4 pages)View decision -
Decision Reference DRN-5655722
5 Dec 2025 East Lancashire Moneyline (IPS) Limited Not upheldConsumer CreditDRN-5655722 The complaint Mr G complains that East Lancashire Moneyline (IPS) Limited lent to him irresponsibly when they provided him with two personal loans. What happened In 2024, Mr G was provided with two instalment loans by East Lancashire Moneyline. I’ve included a table below s... (4 pages)View decision -
Decision Reference DRN-5934824
5 Dec 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5934824 The complaint Mr L complains that Revolut Ltd hasn’t protected him from losing money to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Mr L has explained that in June 2024 he made a ... (2 pages)View decision -
Decision Reference DRN-5999983
5 Dec 2025 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5999983 The complaint Mrs C and Mr N complain First Holiday Finance Ltd (the “Lender”) has failed to honour a claim under Section 75 of the Consumer Credit Act 1974 (the “CCA”) and has participated in an unfair credit relationship with them under Section 140A of the CCA. What happe... (10 pages)View decision -
Decision Reference DRN-5906916
5 Dec 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5906916 The complaint Mr M complains that Wise Payments Limited won’t refund him the money he says he lost in an investment scam. Mr M is being represented by a professional representative but for ease of reading I’ll just refer to Mr M. What happened The circumstances surrounding t... (4 pages)View decision -
Decision Reference DRN-6000944
5 Dec 2025 Santander UK Plc UpheldBanking and PaymentsDRN-6000944 The complaint Mr L complains that Santander UK Plc (“Santander”) hasn’t protected him from losing money to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Mr L has explained that in J... (4 pages)View decision -
Decision Reference DRN-6000899
5 Dec 2025 Startline Motor Finance Limited UpheldConsumer CreditDRN-6000899 The complaint Mr K complains about a car supplied under a hire purchase agreement, provided by STARTLINE MOTOR FINANCE LIMITED (‘SMF’). What happened Around December 2023 Mr K acquired a used car under a hire purchase agreement with SMF. The car is listed with a cash price ... (9 pages)View decision -
Decision Reference DRN-6001124
5 Dec 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6001124 The complaint Mr 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 them under Section 140A of the Consumer Credit Act 1974 ... (11 pages)View decision -
Decision Reference DRN-5956145
5 Dec 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5956145 The complaint Mr I complains Lloyds Bank PLC unfairly restricted his account and withheld his access to funds. What happened The facts of the complaint are well known to both parties, so I will only provide a summary of the key points. Mr I held a Lloyds account and on 24 ... (3 pages)View decision -
Decision Reference DRN-5998936
5 Dec 2025 St. James's Place Wealth Management Plc Not upheldInvestmentsDRN-5998936 The complaint Mr and Mrs R, via their representative, complain that St. James’s Place Wealth Management Plc (SJP) gave them unsuitable investment advice on a regular basis between 2002 and 2012. In particular they say that, rather than derisk over time during retirement, the... (10 pages)View decision