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 382298 results
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Decision Reference DRN-5652067
27 Jun 2025 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-5652067 The complaint Miss B complains Cabot Credit Management Group Limited trading as Cabot Financial (Europe) Limited have: Asked her to repay a debt she doesn’t think they should Been reporting a default incorrectly Delayed dealing with her court claim which lost her the c... (2 pages)View decision -
Decision Reference DRN-5648943
27 Jun 2025 Black Horse Limited Not upheldConsumer CreditDRN-5648943 Complaint Mr L complains that Black Horse Limited (“Black Horse”) unfairly entered into a hire- purchase agreement with him. He’s said that the finance was unaffordable which resulted in him getting behind on his priority bills and almost losing his house. Background In Oct... (6 pages)View decision -
Decision Reference DRN-5556747
27 Jun 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5556747 The complaint Mr B complains Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance are holding him responsible for a £10,000 loan he says he applied for as part of a scam. Mr B is represented in this complaint, but I’ve referred mostly to him. What happened In Ma... (2 pages)View decision -
Decision Reference DRN-5164287
27 Jun 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5164287 The complaint Ms C complains that Revolut Ltd won’t return money she lost to a scam. What happened The background to this complaint is well known to both parties so I won’t repeat it in detail here. The transactions relevant to this complaint are as follows: Transaction Date... (3 pages)View decision -
Decision Reference DRN-5369411
27 Jun 2025 PROPEL HOLDINGS (UK) LIMITED UpheldConsumer CreditDRN-5369411 The complaint Mr S complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket (Quidmarket) gave him which loans which were unaffordable. What happened A summary of Mr S’s borrowing can be found below. loan number loan amount agreement date repayment date number of m... (4 pages)View decision -
Decision Reference DRN-5217591
27 Jun 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5217591 The complaint Mr and Mrs B complain that Nationwide Building Society won’t refund money they lost to a scam. A firm represents Mr and Mrs B, but for ease, I have referred to Mr and Mrs B in my decision. What happened The background to this complaint is well known to both par... (3 pages)View decision -
Decision Reference DRN-5648900
27 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5648900 The complaint Mr K complains, through his representative, that NewDay Ltd trading as Aqua (“NewDay”) gave him a credit card and increased the limit without carrying adequate affordability checks. What happened A summary of Mr K’s credit limits can be found below. Date Even... (4 pages)View decision -
Decision Reference DRN-5386121
27 Jun 2025 Moneybarn Limited UpheldConsumer CreditDRN-5386121 The complaint Mr H complains about the administration of a conditional sale agreement with Moneybarn Limited (‘Moneybarn’). Mr H says that he has been treated unfairly by Moneybarn when he couldn’t pay the agreement. He also wanted to add a third party to the agreement, but ... (4 pages)View decision -
Decision Reference DRN-5651901
27 Jun 2025 EE Limited UpheldConsumer CreditDRN-5651901 The complaint Ms M has complained about the quality of a mobile phone supplied under a fixed sum loan agreement with EE Limited. What happened Ms M entered into a fixed sum loan agreement with EE in May 2024. She bought a phone which cost around £760 and agreed to make 24 p... (4 pages)View decision -
Decision Reference DRN-5628522
27 Jun 2025 Budge and Company Limited Not upheldInvestmentsDRN-5628522 The complaint Mr B has complained that Budge and Company Limited (‘Budge’) failed to recognise that a gold purchase on his account hadn’t completed as it should have done. Mr B says if he now bought the same amount of gold he intended to buy, it would cost him between £250,0... (9 pages)View decision
