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-5958251
19 Nov 2025 Tandem Motor Finance Limited UpheldConsumer CreditDRN-5958251 The complaint Mr R complains that a car he took from Tandem Motor Finance Limited under a hire purchase agreement was not of satisfactory quality. What happened In August 2023 Mr R entered into a 42-month hire purchase agreement with Tandem for a used car. The car was around... (3 pages)View decision -
Decision Reference DRN-5817740
19 Nov 2025 MotoNovo Finance Limited Not upheldConsumer CreditDRN-5817740 The complaint Miss V complains that a car that was supplied to her under a hire purchase agreement with MotoNovo Finance Limited wasn’t of satisfactory quality. What happened A used car was supplied to Miss V under a hire purchase agreement with MotoNovo Finance that she ele... (3 pages)View decision -
Decision Reference DRN-5865018
19 Nov 2025 AutoMoney Limited Not upheldConsumer CreditDRN-5865018 The complaint Mr K complains about a fraud marker that was reported in relation to a finance application with AutoMoney Limited trading as AutoMoney Car Finance. What happened As both parties are familiar with the circumstances of this complaint, I’ve summarised them briefl... (4 pages)View decision -
Decision Reference DRN-5734167
19 Nov 2025 Chetwood Financial Limited Not upheldConsumer CreditDRN-5734167 The complaint Mr B complains that it was irresponsible for Chetwood Financial Limited, trading as Live Lend, to have made two loans to him. He’s being represented in his complaint by a claims management company. What happened Mr B entered into a fixed sum loan agreement with... (3 pages)View decision -
Decision Reference DRN-5939414
19 Nov 2025 JLT Wealth Management Limited UpheldPensions and AnnuitiesDRN-5939414 The complaint Mr R complains about advice he received from Alexander Forbes Financial Services (AFFS) to transfer his defined benefit occupational pension (DB) scheme into a personal pension. Mr R believes the advice to transfer wasn’t in their best interests and has caused ... (7 pages)View decision -
Decision Reference DRN-5821935
19 Nov 2025 Domestic & General Insurance Plc UpheldInsuranceDRN-5821935 The complaint Ms W is unhappy Domestic & General Insurance Plc (D&G) haven’t replaced her coffee machine under her appliance protection policy. What happened In April 2025 Ms W took out cover for her coffee machine through D&G. A few weeks later it broke so she ... (4 pages)View decision -
Decision Reference DRN-5941643
19 Nov 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5941643 The complaint Mrs R complains that Bank of Scotland plc, trading as Halifax, hasn’t done enough to put things right after it accepted it had irresponsibly lent to her. What happened Mrs R held two overdrafts with Halifax. She complained that both had been granted irresponsi... (3 pages)View decision -
Decision Reference DRN-5913502
19 Nov 2025 Scottish Equitable Plc Not upheldPensions and AnnuitiesDRN-5913502 The complaint Mr T complains that Scottish Equitable Plc trading as Aegon (“Aegon”) has failed to administer pension plans he holds in an effective manner. Specifically, he complains that information he was shown online was confusing and incorrect. He complains that Aegon fa... (4 pages)View decision -
Decision Reference DRN-5783142
19 Nov 2025 Madison CF UK Limited Not upheldBanking and PaymentsDRN-5783142 The complaint Mr M complains that Madison CF UK Limited, trading as 118 118 Money (“118 118 Money”), lent to him irresponsibly by providing a credit card and subsequent credit limit increase without sufficient affordability checks being made. What happened 118 118 Money pro... (3 pages)View decision -
Decision Reference DRN-5963184
19 Nov 2025 Blue Motor Finance Ltd UpheldConsumer CreditDRN-5963184 The complaint Ms S complains that the car she acquired through Blue Motor Finance Ltd (“BMF”) was misrepresented to her. She says this caused her additional expense and reduced the car’s value when she sold it. What happened Ms S entered into a hire purchase agreement in Aug... (5 pages)View decision