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 171072 results
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Decision Reference DRN-5783501
29 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5783501 The complaint Mrs B complains that Revolut Ltd hasn’t protected her from losing money to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Mrs B has explained that between June and Octo... (2 pages)View decision -
Decision Reference DRN-5783477
29 Aug 2025 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-5783477 The complaint Ms H is unhappy that a car supplied to her under a hire purchase agreement with CA AUTO FINANCE UK LTD (CA) was of unsatisfactory quality. When I refer to what Ms H or CA have said or done, it should also be taken to include things said or done on their behalf.... (5 pages)View decision -
Decision Reference DRN-5640338
29 Aug 2025 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-5640338 The complaint Mrs S complains that a car supplied to him under a hire purchase agreement with BMW Financial Services(GB) Limited trading as ALPHERA Financial Services (AFS) is of unsatisfactory quality. What happened In August 2024, Mrs S entered into a hire purchase agreem... (4 pages)View decision -
Decision Reference DRN-5553994
29 Aug 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5553994 Complaint Mr P has complained about a personal loan Fairscore Ltd (trading as “Updraft”) which he says was unfairly lent to him. He says he was lent to at a time when he already had significant debts. Background Updraft provided Mr P with a loan for £2,500.00 in March 2023.... (3 pages)View decision -
Decision Reference DRN-5732469
29 Aug 2025 MBNA Limited Not upheldBanking and PaymentsDRN-5732469 The complaint Mr H complains that MBNA Limited didn’t tell him that his promotional interest free rate of interest had ended. What happened On 14 September 2023 Mr H opened a credit card account with MBNA. The card had a promotional 0% interest rate for balance transfers for... (3 pages)View decision -
Decision Reference DRN-5390965
29 Aug 2025 Santander Consumer (UK) Plc UpheldConsumer CreditDRN-5390965 The complaint Mr C complains about the quality of a car that was supplied through a conditional sale agreement with Santander Consumer (UK) Plc (Santander). What happened In March 2024, Mr C acquired a used car through a conditional sale agreement with Santander. The car was... (4 pages)View decision -
Decision Reference DRN-5520526
29 Aug 2025 Salary Finance Loans Limited Not upheldConsumer CreditDRN-5520526 The complaint Miss T has complained that Salary Finance Loans Limited (Salary Finance) unfairly provided her with a loan. What happened On 15 November 2022, Miss T entered into a loan agreement with Salary Finance as shown below. She told Salary Finance that she wanted to c... (3 pages)View decision -
Decision Reference DRN-5379415
29 Aug 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5379415 The complaint Mr J is unhappy Lloyds Bank PLC will not refund the money he lost as the result of a scam. Mr J brought his complaint through a representative. For ease of reading, I will refer solely to Mr J in this decision. What happened As both parties are aware of the det... (4 pages)View decision -
Decision Reference DRN-5379552
29 Aug 2025 Yorkshire Building Society Not upheldBanking and PaymentsDRN-5379552 The complaint Miss A complains that Yorkshire Building Society (YBS) won’t refund the money she lost following a number of payments she made from her account. What happened In September 2019, Miss A made three payments out of her YBS account to her now ex- partner totalling... (3 pages)View decision -
Decision Reference DRN-5574660
29 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5574660 The complaint Mr H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr H applied for an Aqua credit card in January 2021. In his application, Mr H said he was earning £22,500 that Aqua calculated left h... (2 pages)View decision
