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 171073 results
-
Decision Reference DRN-5374991
12 Aug 2025 Stellantis Financial Services UK Limited Not upheldConsumer CreditDRN-5374991 The complaint Mrs F is unhappy that a car supplied to her under a hire agreement with Stellantis Financial Services UK Limited trading as Free2Move was of an unsatisfactory quality. What happened In April 2021, Mrs F was supplied with a new car through a hire agreement with... (3 pages)View decision -
Decision Reference DRN-5551464
12 Aug 2025 Calderdale Credit Union Limited Not upheldConsumer CreditDRN-5551464 The complaint Miss R is complaining that Calderdale Credit Union Limited (CCU) lent to her irresponsibly by providing her with a personal loan. Miss R is represented in her complaint but for ease I’ve written as if we’ve dealt with her directly throughout. What happened In S... (3 pages)View decision -
Decision Reference DRN-5542581
12 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5542581 The complaint Mr W complains that Vanquis Bank Limited irresponsibly lent to him. Mr W is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr W himself. W... (2 pages)View decision -
Decision Reference DRN-5699235
12 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5699235 Complaint Mr H complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In October 2016... (3 pages)View decision -
Decision Reference DRN-5748630
12 Aug 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5748630 Complaint Mr V has complained about the overdraft charges Nationwide Building Society (“Nationwide”) applied to his account. Mr V is being represented, by the (“representative”), in his complaint. The representative has said the charges applied to Mr V’s account were unfai... (5 pages)View decision -
Decision Reference DRN-5709081
12 Aug 2025 Lantern Debt Recovery Services Limited UpheldConsumer CreditDRN-5709081 The complaint Mr M complains Lantern Debt Recovery Services Ltd have reported a default on his credit file when he doesn’t think they should have. The borrower is also joined to this complaint, but for simplicity I’ve just referred to Mr M by name. What happened Mr M acted a... (2 pages)View decision -
Decision Reference DRN-5703324
12 Aug 2025 Lowell Portfolio I Ltd Not upheldConsumer CreditDRN-5703324 The complaint Miss G complains Lowell are asking her to repay a debt that isn’t hers. And, because they currently say it is, payments she’s making are being applied to that account, when those payments should be applied to accounts she does owe. What happened As I understand... (3 pages)View decision -
Decision Reference DRN-5254163
12 Aug 2025 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5254163 The complaint Mrs L and the estate of Mr B’s complaint is, in essence, that First Holiday Finance Ltd (the Lender) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with Mrs L and the late Mr B under Section 140A of the Consumer Credit Act 1... (4 pages)View decision -
Decision Reference DRN-5748582
12 Aug 2025 Equifax Limited Not upheldConsumer CreditDRN-5748582 The complaint Mr T is unhappy with how EQUIFAX LIMITED engaged with him about a Data Subject Access Request (DSAR) he made to them. What happened I issued my provisional findings to both parties setting out why I did not think Mr T’s complaint should be upheld, and invited ... (4 pages)View decision -
Decision Reference DRN-5693507
12 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5693507 The complaint With the help of a professional representative (PR), Mr B complains that Advantage Finance Ltd lent to him irresponsibly. For ease, I’ll refer mainly to the actions of the PR as being those of Mr B. What happened Mr B has had two Hire Purchase agreements (HP) w... (4 pages)View decision
