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 392389 results
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Decision Reference DRN-5771553
8 Jan 2026 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5771553 The Complaint Ms G’s complaint is, in essence, that First Holiday Finance Ltd (the ‘Lender’) acted unfairly and unreasonably by (1) being party to unfair credit relationships with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) decidin... (10 pages)View decision -
Decision Reference DRN-6055066
8 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6055066 The complaint Mr D’s complaint is, in essence, that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance (“Novuna”) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as ... (12 pages)View decision -
Decision Reference DRN-6047789
8 Jan 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6047789 The complaint Mr M complains that MONEYBARN NO.1 LIMITED (Moneybarn) reported adverse and worsening information to his credit file during a Covid payment holiday. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a b... (2 pages)View decision -
Decision Reference DRN-6062771
8 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6062771 The complaint Mrs T’s complaint is, in essence, that Mitsubishi HC Capital UK Plc, trading as Novuna Consumer Finance (‘the Lender’), acted unfairly and unreasonably by (1) deciding against paying a claim made under Section 75 of the Consumer Credit Act 1974 (‘CCA’) and (2) ... (11 pages)View decision -
Decision Reference DRN-5821365
8 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5821365 The complaint Mrs J’s complaint is, in essence, that Shawbrook Bank Limited acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) deciding against payin... (13 pages)View decision -
Decision Reference DRN-6034889
8 Jan 2026 Valour Finance Limited Not upheldConsumer CreditDRN-6034889 The complaint Miss C complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) approved a loan for her in January 2025 which she says she could not afford to repay. Miss C says that Valour did not assist her with the situation when she was unable to pay. What h... (3 pages)View decision -
Decision Reference DRN-5523989
8 Jan 2026 Brooks Macdonald Asset Management Limited Not upheldInvestmentsDRN-5523989 The complaint Mrs T‘s complaint about Brooks Macdonald Asset Management Limited (‘BM’) concerns the bespoke discretionary investment portfolio service. Mrs T is unhappy with the performance of her investment portfolio and says she hasn’t received the ongoing service she paid... (4 pages)View decision -
Decision Reference DRN-5861487
8 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5861487 The complaint Mr S’ complaint is, in essence, that Shawbrook Bank Limited (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 1974 (as amended) (the ‘CCA’) and (2) deciding ... (12 pages)View decision -
Decision Reference DRN-5524160
8 Jan 2026 Brooks Macdonald Asset Management Limited Not upheldPensions and AnnuitiesDRN-5524160 The complaint Mrs T‘s complaint about Brooks Macdonald Asset Management Limited (‘BM’) concerns the bespoke discretionary managed investment portfolio service. Mrs T is unhappy with the performance of her investment portfolio and says she hasn’t received the ongoing service ... (5 pages)View decision -
Decision Reference DRN-6051809
8 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6051809 The complaint Mr and Mrs A’s complaint is, in essence, that Shawbrook Bank Limited (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 (as amended) (the ‘CCA’), (2) ir... (4 pages)View decision