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 185689 results
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Decision Reference DRN-6297335
21 Apr 2026 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-6297335 The complaint Mrs C complains that a car that was supplied to her under a finance agreement with CA Auto Finance UK Limited wasn’t of satisfactory quality. What happened A used car was supplied to Mrs C under a finance agreement with CA Auto Finance that she electronically s... (4 pages)View decision -
Decision Reference DRN-6046396
21 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6046396 The complaint Mr T has complained that Barclays Bank UK PLC filed to intervene when he was experiencing problem gambling. What happened Mr T had two accounts with Barclays. He’s explained that over the years, he’s struggled with gambling, with a pivotal change taking place f... (2 pages)View decision -
Decision Reference DRN-6124107
21 Apr 2026 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-6124107 The complaint Ms R complains that a car that was supplied to her under a hire purchase agreement with BMW Financial Services (GB) Limited, trading as Alphera Financial Services, wasn’t of satisfactory quality. What happened A used car was supplied to Ms R under a hire purcha... (2 pages)View decision -
Decision Reference DRN-6296310
21 Apr 2026 N.I.I.B. Group Limited Not upheldConsumer CreditDRN-6296310 The complaint Mr B complains that a car that was supplied to him under a hire purchase agreement with N.I.I.B. Group Limited, trading as Northridge Finance, wasn’t of satisfactory quality. What happened A used car was supplied to Mr B under a hire purchase agreement with Nor... (3 pages)View decision -
Decision Reference DRN-6279906
21 Apr 2026 Lendable Ltd UpheldConsumer CreditDRN-6279906 The complaint Mr P is unhappy that a car supplied to him under a hire purchase agreement with Lendable Ltd trading as Autolend (Lendable) was of an unsatisfactory quality. What happened In September 2025 Mr P was supplied with a used car through a hire purchase agreement wit... (6 pages)View decision -
Decision Reference DRN-6193061
21 Apr 2026 FIRST RESPONSE FINANCE LIMITED Not upheldConsumer CreditDRN-6193061 The complaint Mr T complains that a hire purchase agreement with First Response Finance Limited, under which a motorbike was supplied to him, wasn’t affordable. What happened A used motorbike was supplied to Mr T under a hire purchase agreement with First Response Finance th... (2 pages)View decision -
Decision Reference DRN-6305393
21 Apr 2026 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-6305393 The complaint Miss N complains that Clydesdale Bank Plc trading as Virgin Money (Virgin Money) irresponsibly lent to her when she was provided with a credit card. What happened Miss N applied online for a Virgin Money credit card. The application was accepted, and an accoun... (7 pages)View decision -
Decision Reference DRN-6256897
21 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6256897 The complaint Miss B complains that Moneybarn No. 1 Limited provided her with credit irresponsibly when it supplied a car to her under a conditional sale agreement and about other issues relating to that agreement. What happened A used car was supplied to Miss B under a cond... (3 pages)View decision -
Decision Reference DRN-6281519
21 Apr 2026 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-6281519 The complaint Mr K complains that a car that was supplied to him under a finance agreement with CA Auto Finance UK Limited wasn’t of satisfactory quality. What happened A used car was supplied to Mr K under a finance agreement with CA Auto Finance that he signed in January 2... (3 pages)View decision -
Decision Reference DRN-6040671
21 Apr 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6040671 The complaint Mr and Mrs I say that Shawbrook Bank Limited (the Lender) unfairly declined claims they made under Section 75 of the Consumer Credit Act 1974 (‘CCA’). What happened In November 2012, Mr and Mrs I purchased a timeshare membership from a timeshare provider (the ... (2 pages)View decision