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-5927100
15 Dec 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5927100 The complaint Ms M complains through a third-party representative. Ms M says Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to her. Ms M also says the lending resulted in an unfair relationship under s140a of the Consumer Credit Act 1974 What ... (3 pages)View decision -
Decision Reference DRN-5822139
15 Dec 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5822139 The complaint Mr J complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk irresponsibly lent to him. What happened MoneyBoat lent Mr J one loan in December 2022, the loan was for £500 to be repaid in three monthly instalments of around £240 each. The loa... (3 pages)View decision -
Decision Reference DRN-5843185
15 Dec 2025 Ald Automotive Limited Not upheldConsumer CreditDRN-5843185 The complaint Mrs C is disappointed that Ald Automotive Limited (Ald) didn’t explain their liability for any shortfall if their car was written off. What happened Mrs C took receipt of a new car in October 2023. She financed the car through a hire agreement with Ald. In Sept... (2 pages)View decision -
Decision Reference DRN-5907463
15 Dec 2025 Inter Partner Assistance SA UpheldInsuranceDRN-5907463 The complaint Mr N is unhappy that Inter Partner Assistance SA has declined a claim he made on his travel insurance policy. What happened Mr N claimed on his travel insurance policy following an admission to hospital with chest pains. IPA declined the claim because they said... (3 pages)View decision -
Decision Reference DRN-5684679
15 Dec 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5684679 The complaint Mr L complains that Revolut Ltd didn’t do enough to prevent him from losing money to scammers. Mr L has used a representative to bring his complaint. But, for ease of reading, I’ll mostly just refer to Mr L himself where I also mean his representative. What h... (2 pages)View decision -
Decision Reference DRN-5967051
15 Dec 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5967051 The complaint Mr Z complains about the issues he was having when he tried to open an account with Clydesdale Bank Plc trading as Virgin Money. He said it took him around a month to get the account opened and he is not happy with the amount of compensation that he has been of... (2 pages)View decision -
Decision Reference DRN-6016500
15 Dec 2025 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-6016500 The complaint Miss A complains that Shop Direct Finance Company Limited lent to her irresponsibly when they provided her with two home shopping credit accounts and later increased her credit limit on the second account. What happened In 2014, Miss A was provided with a home... (4 pages)View decision -
Decision Reference DRN-5795409
15 Dec 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5795409 The complaint Mrs W disputes that she signed a second finance agreement with Stellantis Financial Services UK Limited after exchanging a car she was unhappy with. What happened In February 2022 Mrs W signed a conditional sale agreement with Stellantis for a new car. Because ... (3 pages)View decision -
Decision Reference DRN-5305563
15 Dec 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5305563 The complaint Mr A complains that Santander UK Plc didn’t protect him when he lost money to a scam. A representative who I will call R complains on behalf of Mr A. What happened The background to this complaint is well known to both parties, so I won’t repeat it in detail he... (5 pages)View decision -
Decision Reference DRN-5449695
15 Dec 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5449695 The complaint Mr S complains that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY (NatWest) won’t refund the money he lost to a property investment opportunity, that he now considers was a scam. Mr S is being represented by a claims management company in this complaint. W... (3 pages)View decision