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 162956 results
-
Decision Reference DRN-5482215
16 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5482215 Complaint Mr E complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the finance that was unaffordable. Background In August 2018, Moneybarn provided Mr E with finance for a used car. The purchase pri... (3 pages)View decision -
Decision Reference DRN-5614193
16 Jun 2025 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-5614193 Complaint Mrs D complains that CA Auto Finance UK LTD (at the time trading as “Fiat Financial” Services) unfairly entered into a hire-purchase agreement with her. She’s said that she was provided with finance that was unaffordable and this led to ongoing difficulty with othe... (5 pages)View decision -
Decision Reference DRN-5568890
16 Jun 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5568890 Complaint Mr P complains that First Rand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with him. He’s said the payments to his agreement were unaffordable. Background In April 2019, MotoNovo provided Mr P with finance for a use... (4 pages)View decision -
Decision Reference DRN-5576660
16 Jun 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5576660 Complaint Miss H has complained about the overdraft charges The Royal Bank of Scotland Plc (“RBS”) applied to her current account. Miss H is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Miss H’s account w... (5 pages)View decision -
Decision Reference DRN-5355906
16 Jun 2025 FirstRand Bank Limited Not upheldConsumer CreditDRN-5355906 Complaint Miss B complains that FirstRand Bank Limited (trading as “MotoNovo” 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 2015,... (5 pages)View decision -
Decision Reference DRN-5465563
16 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5465563 Complaint Mr W complains that Moneybarn No.1 Limited (trading “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the agreement was unaffordable and that this caused ongoing financial difficulty. Background In May 2017, Moneybarn provide... (5 pages)View decision -
Decision Reference DRN-5448848
16 Jun 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5448848 Complaint Mrs W has complained about the overdraft charges Lloyds Bank PLC (“Lloyds”) applied to her current account. Mrs W is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Mrs W’s account were unfair as ... (6 pages)View decision -
Decision Reference DRN-5613740
16 Jun 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5613740 Complaint Ms F has complained about the overdraft charges HSBC UK Bank Plc (trading as “First Direct”) applied to her current account. She’s said that the overdraft was unaffordable and so she shouldn’t have been provided with it. Ms F is also unhappy that her account was d... (5 pages)View decision -
Decision Reference DRN-5190459
13 Jun 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5190459 The complaint Mr V complains that Bank of Scotland plc trading as Halifax failed to sufficiently intervene causing him to fall victim to an authorised push payment (APP) romance scam. What happened The background to this complaint is well known to both parties, so I won’t re... (3 pages)View decision -
Decision Reference DRN-5325313
13 Jun 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5325313 The complaint Mr O complains that Wise Payments Limited (‘Wise’) won’t refund money he lost as part of a scam. Mr O is professionally represented, however, to keep things simple, I’ll refer to Mr O throughout my decision. What happened The background to this complaint is we... (4 pages)View decision
