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-6204539
13 Apr 2026 Lex Autolease Limited Not upheldConsumer CreditDRN-6204539 The complaint Mr Z complains that Lex Autolease Ltd (Lex), shouldn’t have paid a parking fine issued for a car he was leasing through them. Mr Z has raised another complaint about a second parking charge which has been considered separately by the service. I’ll not be recon... (2 pages)View decision -
Decision Reference DRN-5948502
13 Apr 2026 Clydesdale Bank Plc UpheldBanking and PaymentsDRN-5948502 The complaint Mrs C has complained that Clydesdale Bank Plc, trading as Virgin Money, were irresponsible when providing her with a credit card. What happened Virgin Money provided Mrs C with a credit card in June 2021 with a credit limit of £2,200. Mrs C says the lending dec... (3 pages)View decision -
Decision Reference DRN-6239507
13 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6239507 Complaint Mr C complains that Moneybarn No.1 Limited (“Moneybarn”) failed to act fairly and reasonably towards him when entering into a conditional sale agreement with him. He’s said that that Moneybarn failed to disclose the commission that it paid to the credit broker tha... (3 pages)View decision -
Decision Reference DRN-6231873
13 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6231873 The complaint Mrs P complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Mrs P 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 Mrs P h... (5 pages)View decision -
Decision Reference DRN-6279277
13 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6279277 Complaint Mr C complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the agreement was unaffordable and that this caused ongoing financial difficulties. Background In February 2016, Moneyb... (5 pages)View decision -
Decision Reference DRN-5944557
13 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5944557 The complaint Mrs W’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credi... (6 pages)View decision -
Decision Reference DRN-6270654
13 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6270654 The complaint With the help of a professional representative (PR), Mr F complaints that Moneybarn No.1 Limited trading as Moneybarn lent to him irresponsibly. For ease, I’ll refer to the actions of the PR as being those of Mr F. What happened Mr F has had two Conditional Sal... (3 pages)View decision -
Decision Reference DRN-6256289
13 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6256289 The complaint Mr T complains that NewDay Ltd trading as Fluid (NewDay) irresponsibly entered into a credit card agreement with him. What happened In February 2025, Mr T applied for a credit card with NewDay. He was given a credit card account with a credit limit of £2,500. ... (3 pages)View decision -
Decision Reference DRN-6268854
13 Apr 2026 Zopa Bank Limited Not upheldBanking and PaymentsDRN-6268854 The complaint Miss G complains that Zopa Bank Limited (“Zopa”) provided credit to her irresponsibly and that the credit was unaffordable. She said that they hadn’t carried out proportionate affordability checks. What happened Miss G received a credit card from Zopa in Aug... (4 pages)View decision -
Decision Reference DRN-6091853
13 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6091853 The complaint Mr M complains that a car supplied to him under a conditional sale agreement with MONEYBARN NO.1 LIMITED trading as Moneybarn was of unsatisfactory quality. What happened In May 2025, Mr M was supplied with a used car through a conditional sale agreement with ... (3 pages)View decision