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
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Decision Reference DRN-5620667
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5620667 The complaint Mr A complains that NewDay Ltd trading as Fluid have irresponsibly lent to him. What happened Mr A was approved for a Fluid credit card, in January 2020 with a £450 credit limit. I have detailed the credit limit changes below: August 2020 £450 to £1,200 Februar... (4 pages)View decision -
Decision Reference DRN-5613115
13 Jun 2025 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-5613115 The complaint Mr V complains through a representative that Blue Motor Finance Ltd (“Blue Motor”) gave him a hire purchase agreement without carrying out sufficient affordability checks. Had it made better checks, Blue Motor would’ve seen he couldn’t afford the repayments. W... (4 pages)View decision -
Decision Reference DRN-5234561
13 Jun 2025 Lendable Ltd Not upheldConsumer CreditDRN-5234561 The complaint Mr W is unhappy that a car supplied to him under a hire purchase agreement with Lendable Ltd trading as Autolend (Autolend) was of unsatisfactory quality. When I refer to what Mr W or Autolend have said or done, it should also be taken to include things said o... (3 pages)View decision -
Decision Reference DRN-5601716
13 Jun 2025 Mortgage Advice Bureau Limited Not upheldMortgagesDRN-5601716 The complaint Mr and Mrs S’ complaint is about the administration of their mortgage application by Mortgage Advice Bureau Limited (MAB). They are unhappy that, despite them asking for a lower interest rate product when it became available, MAB did not change it with the lend... (5 pages)View decision -
Decision Reference DRN-5382555
13 Jun 2025 BMW Financial Services(GB) Limited Not upheldConsumer CreditDRN-5382555 The complaint Mr K complains about the administration of a hire purchase agreement he had with BMW Financial Services (GB) Limited trading as ALPHERA Financial Services (‘Alphera’). He says some of the actions they took have caused him financial detriment and the communicati... (5 pages)View decision -
Decision Reference DRN-5540844
13 Jun 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5540844 Complaint Miss H has essentially complained that Lloyds Bank PLC (“Lloyds”) unfairly provided her with an overdraft that was unaffordable. She has also said that she was overcharged for using her overdraft. Background Miss H was initially provided with an overdraft that had... (6 pages)View decision -
Decision Reference DRN-5591440
13 Jun 2025 Hyundai Capital UK Limited Not upheldConsumer CreditDRN-5591440 Complaint Mr N is unhappy that Hyundai Capital UK Limited (trading as “Kia Finance”) paid his broker commission for arranging a conditional sale agreement to facilitate his purchase of a car. He says that any commission was not disclosed to him and paid without his consent. ... (3 pages)View decision -
Decision Reference DRN-5589293
12 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5589293 The complaint Mr G complains that he’s been trying to set up a payment plan with NewDay Ltd trading as Pulse but has been unable to do so. What happened Mr G complains that he’s been trying to set up a payment plan with NewDay but has been unable to do so. He says he’s been ... (3 pages)View decision -
Decision Reference DRN-5592634
12 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5592634 The complaint Mr A complains that the car he acquired through Moneybarn No. 1 Limited (“Moneybarn”) wasn’t of satisfactory quality. He wants to reject the car and cancel the credit agreement. What happened Mr A entered into a conditional sale agreement in January 2024 to acq... (4 pages)View decision -
Decision Reference DRN-5621849
12 Jun 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5621849 The complaint Miss O complains about a car supplied under a hire purchase agreement, provided by Advantage Finance Ltd (‘AFL’). What happened Around May 2024 Miss O acquired a used car under a hire purchase agreement with AFL. The car is listed with a cash price of £6,995 on... (8 pages)View decision
