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 380824 results
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Decision Reference DRN-5542726
1 Sep 2025 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-5542726 The complaint Mrs A has complained that a car she bought, using finance from Mercedes-Benz Financial Services UK Limited (‘MBFS’), was not of satisfactory quality at the point of supply. She’d like to reject the car. What happened On 31 July 2024, Mrs A entered into a financ... (3 pages)View decision -
Decision Reference DRN-5515976
1 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5515976 Complaint Mr S complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable which caused him ongoing difficulty. Background In October 2017, Advantage Finance provided Mr S w... (5 pages)View decision -
Decision Reference DRN-5613524
1 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5613524 Complaint Mr B complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (3 pages)View decision -
Decision Reference DRN-5718082
1 Sep 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5718082 Complaint Mr S has complained about a credit card Zopa Bank Limited (“Zopa”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In October 2023, Zopa provided Mr S with a credit card which ha... (3 pages)View decision -
Decision Reference DRN-5564264
1 Sep 2025 Go Car Credit Limited Not upheldConsumer CreditDRN-5564264 Complaint Miss S complains that Go Car Credit Limited (“Go Car Credit”) 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 June 2022, Go ... (3 pages)View decision -
Decision Reference DRN-5503925
1 Sep 2025 FIRST RESPONSE FINANCE LIMITED Not upheldConsumer CreditDRN-5503925 Complaint Mr M complains that First Response Finance Limited (“First Response”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been... (3 pages)View decision -
Decision Reference DRN-5592713
1 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5592713 Complaint Mr R complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In January 2021, Moneybarn... (3 pages)View decision -
Decision Reference DRN-5638050
1 Sep 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5638050 Complaint Miss S has complained about a credit card MBNA Limited (“MBNA”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background MBNA provided Miss S with a credit card with a limit of £500 in September 2022. The limi... (3 pages)View decision -
Decision Reference DRN-5584329
1 Sep 2025 Madison CF UK Limited Not upheldBanking and PaymentsDRN-5584329 Complaint Ms O has complained about a credit card Madison CF UK Limited (trading as “118 118 Money”) provided to her. She says credit card was irresponsibly provided as it was unaffordable for her. Background 118 118 Money provided Ms O with a credit card with a limit of £1... (3 pages)View decision -
Decision Reference DRN-5617977
1 Sep 2025 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-5617977 Complaint Mr S has complained about a credit card Jaja Finance Ltd (trading as “Asda Money” Select Credit Card) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In July 2023, Asda Money pro... (3 pages)View decision
