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 170994 results
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Decision Reference DRN-5512460
10 Sep 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5512460 The complaint Mrs B complains that Oodle Financial Services Limited trading as Oodle Car Finance irresponsibly gave her a hire purchase agreement she couldn’t afford to repay. What happened In July 2023, Mrs B acquired a used car financed by a hire purchase agreement from Oo... (3 pages)View decision -
Decision Reference DRN-5640187
10 Sep 2025 Klarna Bank AB (publ) Not upheldConsumer CreditDRN-5640187 The complaint Mr Q is unhappy with how Klarna Bank AB (publ) “Klarna” handled a dispute he raised with it, following purchases made using his Klarna card account. What happened In February 2023, Mr Q made two purchases to a merchant I’ll call ‘L’. One was for £480 and the ot... (4 pages)View decision -
Decision Reference DRN-5588655
10 Sep 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5588655 The complaint Mr M is unhappy that a car supplied to him under a hire purchase agreement with Startline Motor Finance Limited was of an unsatisfactory quality. What happened In March 2024, Mr M was supplied with a used car through a hire purchase agreement with Startline. T... (3 pages)View decision -
Decision Reference DRN-5718025
10 Sep 2025 Gain Credit LLC Not upheldConsumer CreditDRN-5718025 The complaint Mr F complains that Gain Credit LLC trading as Lending Stream (“Lending Stream”) irresponsibly provided him with a loan whilst he was struggling financially and had a gambling addiction. What happened Lending Stream provided Mr F with three short term lending ... (5 pages)View decision -
Decision Reference DRN-5759074
10 Sep 2025 Starling Bank Limited Not upheldBanking and PaymentsDRN-5759074 The complaint Mr K is complaining that Starling Bank Limited didn’t agree to reimburse him in full for payments he made to a scam. What happened Mr K fell victim to a safe account scam after receiving a call from a scammer pretending to be from his bank. Mr K was instructed ... (4 pages)View decision -
Decision Reference DRN-5742894
10 Sep 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5742894 The complaint Mrs J complains about the advice she received from HSBC UK Bank Plc trading as HSBC UK (“HSBC”) when she asked it to remove her ex-husband from their joint bank account. What happened Mrs J and her ex-husband had a joint current account with HSBC. In 2023 Mrs J... (3 pages)View decision -
Decision Reference DRN-5807495
10 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5807495 Complaint Miss R complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional-sale agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In Dece... (4 pages)View decision -
Decision Reference DRN-5203695
10 Sep 2025 Wise Payments Limited Not upheldBanking and PaymentsDRN-5203695 The complaint Mr L is complaining that Wise Payments Limited trading as Wise haven’t agreed to reimburse him for payments which he now believes to have been made to a scam. The complaint is brought on his behalf by a professional representative, but I’ll mainly refer to Mr L... (3 pages)View decision -
Decision Reference DRN-5638060
10 Sep 2025 Sainsbury's Bank Plc Not upheldConsumer CreditDRN-5638060 The complaint Mr R complains that Sainsbury's Bank Plc was irresponsible in its lending to him. He wants all interest and charges on his loan refunded along with statutory interest and any adverse information removed from his credit file. What happened Mr R was provided... (3 pages)View decision -
Decision Reference DRN-5785814
10 Sep 2025 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-5785814 The complaint Mr and Mrs H complain Barclays Bank UK PLC trading as Barclays won’t reimburse money lost to an investment scam. Mr and Mrs H are being represented in their complaint. What happened Mr and Mrs H met some partners – which I’ll refer to as “B”- at a property cour... (5 pages)View decision
