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-5853839
15 Dec 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5853839 Complaint Mrs M complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with her. She’s said that the finance that was unaffordable and this caused ongoing difficulty going forward. Background In September 2017, Advantage F... (5 pages)View decision -
Decision Reference DRN-5621902
15 Dec 2025 Salary Finance Limited Not upheldConsumer CreditDRN-5621902 Complaint Mr C has complained about a loan Salary Finance Limited (“Salary Finance”) provided to him. He says the loan was unaffordable and so shouldn’t have been provided to him. He’s also unhappy at the interest rate on the loan and the help he was offered when he ran int... (5 pages)View decision -
Decision Reference DRN-5800857
15 Dec 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5800857 Complaint Miss M has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card was unaffordable and so shouldn’t have been provided to her. Background Vanquis provided Miss M with a credit card with an initial limit of £1,500.... (3 pages)View decision -
Decision Reference DRN-5881119
15 Dec 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5881119 Complaint Mr S has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that it ought to have known the loan was unaffordable. Background 118 118 Money provided Mr S with a loan for £5,000.00 in February 2024. This loan was due... (3 pages)View decision -
Decision Reference DRN-5755476
15 Dec 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5755476 The complaint Mr L complains about the non-sterling transaction fee that applied to a credit card transaction issued to him by HSBC UK Bank Plc trading as First Direct (‘FD’). What happened The background to this complaint is well known to both parties so I won’t repeat it a... (2 pages)View decision -
Decision Reference DRN-5970782
15 Dec 2025 MotoNovo Finance Limited Not upheldConsumer CreditDRN-5970782 Complaint Mr H complains that MotoNovo Finance Limited (“MotoNovo”) unfairly entered into a hire- purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In May 2021, MotoNovo provided Mr H with finance for a used car. The cash pri... (3 pages)View decision -
Decision Reference DRN-5803155
15 Dec 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5803155 Complaint Mr M has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that it ought to have known the loan was unaffordable and so shouldn’t have provided it to him. Background 118 118 Money provided Mr M with a loan for £1,5... (3 pages)View decision -
Decision Reference DRN-5775770
15 Dec 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5775770 Complaint Miss V complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into conditional sale agreement with her. She’s said that the proper checks weren’t carried out which led to her being provided with finance that was unaffordable and this led to... (5 pages)View decision -
Decision Reference DRN-5831252
15 Dec 2025 Marks & Spencer Financial Services plc Not upheldBanking and PaymentsDRN-5831252 Complaint Miss H has complained that Marks & Spencer Financial Services Plc (trading as “M&S Bank”) irresponsibly provided a credit card and limit increase to her. She says that the credit card was unaffordable and created ongoing difficulty. Background In July 2017... (6 pages)View decision -
Decision Reference DRN-5786136
15 Dec 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5786136 Complaint Mr D complains that Startline Motor Finance Limited (“SMF”) 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. Background In May 2023, SMF provided... (4 pages)View decision