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 170827 results
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Decision Reference DRN-5652486
8 Sep 2025 Santander UK Plc UpheldMortgagesDRN-5652486 The complaint Mr M complains that Santander UK plc wouldn’t allow him to port his mortgage to a new property and wouldn’t refund the early repayment charge (ERC) he had to pay. What happened Mr M took out a mortgage with Santander in 2021 on a two-year fixed interest rate. I... (3 pages)View decision -
Decision Reference DRN-5751338
8 Sep 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5751338 The complaint Mr Y complains that the car he acquired financed through a hire purchase agreement with Creation Consumer Finance Ltd wasn’t of satisfactory quality. What happened In May 2023 Mr Y acquired a used car financed through a hire purchase agreement with Creation. In... (3 pages)View decision -
Decision Reference DRN-5587755
8 Sep 2025 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-5587755 The complaint Mr H complains that the van he acquired financed through a hire purchase agreement with CA AUTO FINANCE UK LTD (“CAF”) wasn’t of satisfactory quality. What happened In April 2024 Mr H acquired a used van (distance sale) financed through a hire purchase agreemen... (4 pages)View decision -
Decision Reference DRN-5465135
8 Sep 2025 Black Horse Limited UpheldConsumer CreditDRN-5465135 The complaint Miss K complains that the car she acquired financed through a hire purchase agreement with Black Horse Limited, trading as Black Horse, wasn’t of satisfactory quality. What happened In February 2024 Miss K acquired a used car financed through a hire purchase ag... (4 pages)View decision -
Decision Reference DRN-5607129
8 Sep 2025 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-5607129 The complaint Ms U complains that the vehicle she acquired financed through a hire purchase agreement with CA AUTO FINANCE UK LTD (“CAA”) wasn’t of satisfactory quality. What happened Ms U acquired a used car financed through a hire purchase agreement with CAA she signed on ... (3 pages)View decision -
Decision Reference DRN-5793921
8 Sep 2025 Specialist Motor Finance Limited UpheldConsumer CreditDRN-5793921 The complaint Mr N complains that the car he acquired financed through a hire purchase agreement with Specialist Motor Finance Limited (“SMFL”) wasn’t of satisfactory quality. What happened Mr N acquired a used car financed through a hire purchase agreement he signed with SM... (6 pages)View decision -
Decision Reference DRN-5746162
8 Sep 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5746162 The complaint Mr L complains that Lloyds Bank PLC didn’t do enough to protect him when he fell victim to a cryptocurrency investment scam. What happened After seeing an advert on social media in August 2024, Mr L joined a cryptocurrency trading and investment WhatsApp group.... (2 pages)View decision -
Decision Reference DRN-5778035
8 Sep 2025 RRG Group Limited Not upheldConsumer CreditDRN-5778035 The complaint Mr T complains that a fixed sum loan agreement was mis-sold to him by RRG Group Limited, trading as RRG Toyota. His wife is also involved in his complaint. What happened Mr T traded in a car that he’d financed for a replacement car in January 2024 and he unders... (3 pages)View decision -
Decision Reference DRN-5775692
8 Sep 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5775692 The complaint Mr A complains Lloyds Bank PLC allowed him to spend more money than he had. What happened Mr A made a card payment of over £600 on 31 March 2025. This payment adjusted Mr A’s available balance, and he couldn’t spend it. By 5 April 2025 the card payment still ... (2 pages)View decision -
Decision Reference DRN-5778033
8 Sep 2025 Lookers Motor Group Limited Not upheldConsumer CreditDRN-5778033 The complaint Mr T complains that a fixed sum loan agreement was mis-sold to him by Lookers Motor Group Limited. His wife is also involved in his complaint. What happened Mr T traded in a car for a replacement car in January 2024 using Lookers Motor Group as the dealer and h... (3 pages)View decision
