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 185209 results
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Decision Reference DRN-6238908
13 Apr 2026 My Finance Club Limited Not upheldConsumer CreditDRN-6238908 The complaint Mr D complains that My Finance Club Limited (“MFC”) lent to him when he could not afford to repay it. And it failed to do the right checks and lent irresponsibly. What happened Mr D took one loan with MFC in March 2025. It was for £400 and the nature of the agr... (3 pages)View decision -
Decision Reference DRN-6097548
13 Apr 2026 N.I.I.B. Group Limited UpheldConsumer CreditDRN-6097548 The complaint Mrs D complains that a car supplied to her under a hire purchase agreement with N.I.I.B. Group Limited trading as Northridge Finance (Northridge) was of unsatisfactory quality. What happened In September 2024, Mrs D was supplied with a used car through a hire p... (5 pages)View decision -
Decision Reference DRN-6229850
13 Apr 2026 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-6229850 The complaint Mr R has complained about the way Creation Financial Services Limited (“Creation”) dealt with a claim for money back in relation to a purchase made using a credit card. What happened The circumstances of the complaint are well known to the parties so I won’t g... (3 pages)View decision -
Decision Reference DRN-6274444
13 Apr 2026 Barclays Bank UK PLC Not upheldConsumer CreditDRN-6274444 The complaint Mr S complains that Barclays Bank UK PLC ( “Barclays”) irresponsibly provided him with two personal loans in August 2018 for £11,000 and in February 2020 for £15,000 which he couldn’t afford and which he considers was irresponsible. As the first loan was grant... (3 pages)View decision -
Decision Reference DRN-6192598
13 Apr 2026 Telefonica UK Limited UpheldConsumer CreditDRN-6192598 The complaint Mr C has complained Telefonica UK Limited (trading as O2) mishandled a fraudulent credit agreement application. What happened The parties are familiar with the background details of this complaint – so, I’ll only briefly summarise them here. It reflects my role... (4 pages)View decision -
Decision Reference DRN-6243397
13 Apr 2026 MotoNovo Finance Limited Not upheldConsumer CreditDRN-6243397 The complaint Mr F complains about the quality of a used car he acquired through a hire purchase agreement with MotoNovo Finance Limited (MotoNovo). Mr F says the car had several faults that has led to it needing a new engine. These faults were not disclosed to him at the ti... (5 pages)View decision -
Decision Reference DRN-6046658
13 Apr 2026 Everyday Lending Limited UpheldConsumer CreditDRN-6046658 The complaint Miss T complains that Everyday Lending Limited trading as Evlo (Evlo) acted irresponsibly when they agreed to lend to her. What happened In July 2025, Miss T successfully applied for a loan with Evlo for £1,200 to consolidate lending from various payday loan a... (3 pages)View decision -
Decision Reference DRN-6285033
13 Apr 2026 Oodle Financial Services Limited Not upheldConsumer CreditDRN-6285033 The complaint Oodle Financial Services Limited trading as Oodle Car Finance (Oodle) provided Miss D with a hire purchase agreement to purchase a car in August 2021. Miss D says that Oodle: • Provided the credit to her irresponsibly as the agreement wasn’t suitable for her. ... (4 pages)View decision -
Decision Reference DRN-6076901
13 Apr 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6076901 The complaint Miss B says Barclays Bank UK PLC has not addressed the issue that its banking app isn’t allowing her to see an accurate daily balance on some of her accounts. What happened The details of this complaint are well-known to both parties, so I won’t repeat them aga... (2 pages)View decision -
Decision Reference DRN-6286585
13 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6286585 The complaint Mrs V complains that NewDay Ltd won’t refund the money she lost when she fell victim to an impersonation scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key even... (6 pages)View decision