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-5791662
20 Nov 2025 TRANSUNION INTERNATIONAL UK LIMITED Not upheldConsumer CreditDRN-5791662 The complaint Mr M complains TransUnion International UK Ltd is reporting incorrect information on his credit file. What happened Over a period of several years, Mr M says he’s had ongoing problems with a company I’ll refer to as O. As a result, he raised his concerns with O... (4 pages)View decision -
Decision Reference DRN-5330270
20 Nov 2025 J.P. Morgan Europe Limited UpheldBanking and PaymentsDRN-5330270 The complaint Mr P complains that J.P. Morgan Europe Limited trading as Chase (‘Chase’) hasn’t refunded all the money he lost to a bank impersonation scam. What happened The circumstances of the complaint are well-known to both parties. So, I don’t intend to set these out in... (4 pages)View decision -
Decision Reference DRN-5963636
20 Nov 2025 BMW Financial Services (GB) Limited UpheldConsumer CreditDRN-5963636 The complaint Mr R complains about a car supplied under a hire purchase agreement, provided by BMW FINANCIAL SERVICES (GB) LIMITED trading as ALPHERA Financial Services (‘BMWFS’). What happened Around August 2024 Mr R acquired a used car under a hire purchase agreement with... (6 pages)View decision -
Decision Reference DRN-5871035
20 Nov 2025 U K Insurance Limited UpheldInsuranceDRN-5871035 The complaint Miss G’s complained that UK Insurance Limited (UKI) failed to deal with her claim after she contacted them when there was a leak at her property. What happened Miss G owns a rental property, which she lets out. She insures the property with UKI. She opted to ... (3 pages)View decision -
Decision Reference DRN-5963731
20 Nov 2025 RCI Financial Services Limited Not upheldConsumer CreditDRN-5963731 The complaint Mrs S complains about a car supplied under a hire purchase agreement, provided by RCI Financial Services Limited. What happened Around June 2023 Mrs S acquired a used car under a hire purchase agreement with RCI. The car is listed with a cash price of £15,264,... (4 pages)View decision -
Decision Reference DRN-5950800
20 Nov 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5950800 The complaint Mr M complains about customer service provided to him by Nationwide Building Society. What happened Mr M called Nationwide to open a student account. He was initially given incorrect information that he wasn’t eligible for the account. He was transferred to ano... (2 pages)View decision -
Decision Reference DRN-5955068
20 Nov 2025 Hyundai Capital UK Limited Not upheldConsumer CreditDRN-5955068 The complaint Mr W complains that damage charges Hyundai Capital UK Limited (Hyundai), trading as Hyundai Finance Contract Hire, applied at the end of his hire agreement are excessive. He would like the balance reduced by 50% or a plan set in place to repay £1000. What hap... (2 pages)View decision -
Decision Reference DRN-5504483
20 Nov 2025 Gain Credit LLC UpheldConsumer CreditDRN-5504483 The complaint Mr S complains that Gain Credit LLC, trading as Lending Stream, irresponsibly provided him with five loans. What happened Lending Stream provided Mr S with the following loans, each with a term of around six months: • Loan 1 for £400 provided in January 2021,... (4 pages)View decision -
Decision Reference DRN-5769619
20 Nov 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5769619 The complaint Mr H says MONEYBARN NO.1 LIMITED, (‘Moneybarn’), irresponsibly lent to him when he took out a conditional sale agreement with it. He says that it didn’t take reasonable steps to ensure the agreement was affordable, and it didn’t properly consider his expenditur... (3 pages)View decision -
Decision Reference DRN-5961348
20 Nov 2025 Madison CF UK Limited Not upheldConsumer CreditDRN-5961348 The complaint Mr H complains that Madison CF UK Limited trading as 118 118 Money was irresponsible in its lending to him. He wants the interest he has paid refunded along with statutory interest and the balance outstanding on his loan cleared. He also wants compensation for ... (5 pages)View decision