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-6266655
13 Apr 2026 Fintern Ltd Not upheldConsumer CreditDRN-6266655 The complaint Fintern Ltd trading as Abound provided Miss S with a £10,000 loan in December 2024. Miss S says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts aren... (2 pages)View decision -
Decision Reference DRN-6225190
13 Apr 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6225190 The complaint Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance provided Mr B with a £10,000 loan in April 2024 and a £5,000 loan in March 2025. Mr B says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both ... (3 pages)View decision -
Decision Reference DRN-6259738
13 Apr 2026 Barclays Bank UK PLC Not upheldMortgagesDRN-6259738 The complaint This complaint is about a mortgage Mrs and Mr G hold with Barclays Bank PLC. There are various strands to the complaint, all arising from Barclays’ decision not to extend the mortgage term after it had expired. Mrs and Mr G say Barclays’ treatment of them hasn’... (6 pages)View decision -
Decision Reference DRN-6226907
13 Apr 2026 Plata Finance Limited Not upheldConsumer CreditDRN-6226907 Complaint Mrs Y has complained about a loan Plata Finance Limited (“Plata”) provided to her. She says the loan was unaffordable given her personal and financial circumstances and so shouldn’t have been provided. Background Plata provided Mrs Y with a loan for £5,000.00 in O... (3 pages)View decision -
Decision Reference DRN-6246357
13 Apr 2026 Blue Motor Finance Limited Not upheldConsumer CreditDRN-6246357 Complaint Mr T complains that Blue Motor Finance Limited (“BMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the payments to this agreement were unaffordable and so he should not have been lent to. Background In May 2022, BMF provided Mr T with... (3 pages)View decision -
Decision Reference DRN-6281482
13 Apr 2026 Volkswagen Financial Services (UK) Limited Not upheldConsumer CreditDRN-6281482 Complaint Ms J complains that Volkswagen Financial Services UK Limited (trading as “Audi” Financial Services) unfairly entered into a hire-purchase agreement with her. She’s said the agreement was unaffordable and so she shouldn’t have been accepted for it. Background In Ja... (3 pages)View decision -
Decision Reference DRN-6269186
13 Apr 2026 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-6269186 Complaint Mr and Mrs R have complained about the overdraft charges Bank of Scotland plc (trading as “Halifax”) applied to their current accounts. They’ve effectively said that they shouldn’t have been provided with these overdrafts and therefore the charges applied to their ... (4 pages)View decision -
Decision Reference DRN-6255913
13 Apr 2026 MONZO BANK LIMITED Not upheldConsumer CreditDRN-6255913 Complaint Miss Y has complained about a personal loan Monzo Bank Limited (“Monzo”) which she says was irresponsibly provided to her. She says that the loan wasn’t affordable for her bearing in mind her existing circumstances. Background Monzo provided Miss Y with a loan for... (3 pages)View decision -
Decision Reference DRN-6261107
13 Apr 2026 Oodle Financial Services Limited Not upheldConsumer CreditDRN-6261107 Complaint Miss N complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with her. She’s said that it wasn’t properly checked whether she could make the repayments to this agreement, which were unafford... (3 pages)View decision -
Decision Reference DRN-6257587
13 Apr 2026 Madison CF UK Limited Not upheldConsumer CreditDRN-6257587 Complaint Mr C has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that it ought to have known the loan was unaffordable bearing in mind his existing indebtedness and so shouldn’t have provided it to him. Background 118 11... (3 pages)View decision