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-6260038
13 Apr 2026 MotoNovo Finance Limited Not upheldConsumer CreditDRN-6260038 Complaint Miss H complains that MotoNovo Finance Limited (“MotoNovo”) unfairly entered into a hire- purchase agreement with her. She’s said the payments to her agreement were unaffordable. Background In July 2023, MotoNovo provided Miss H with finance for a used car. The ca... (3 pages)View decision -
Decision Reference DRN-6279297
13 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6279297 Complaint Mr D 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-6279295
13 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6279295 Complaint Mr E 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-6263118
13 Apr 2026 Oodle Financial Services Limited Not upheldConsumer CreditDRN-6263118 Complaint Mr I complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said the payments to this agreement were unaffordable and so he shouldn’t have been accepted for it. Background In ... (3 pages)View decision -
Decision Reference DRN-6282106
13 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6282106 Complaint Mr and Mrs L complain that Moneybarn No.1 Limited (“Moneybarn”) failed to act fairly and reasonably towards them when entering into a conditional sale agreement with them. They’ve said that Moneybarn failed to disclose the commission it paid to the broker that int... (3 pages)View decision -
Decision Reference DRN-6232362
13 Apr 2026 247 Money Group Limited Not upheldConsumer CreditDRN-6232362 Complaint Mr M complains that 247 Money Group Limited (trading as “247 Money”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been ... (3 pages)View decision -
Decision Reference DRN-6258737
12 Apr 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-6258737 The complaint Ms W has complained that Santander UK Plc won’t refund the money she lost after falling victim to a scam. What happened In summary, in summer 2025 Ms W received an email from a friend’s email address, asking her for help buying gift cards from a well-known onli... (3 pages)View decision -
Decision Reference DRN-6262606
12 Apr 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6262606 The complaint Mr H complains about the way in which NewDay Ltd trading as Aqua has handled his account. What happened Mr H holds a credit card account with NewDay. Mr H contacted NewDay to pay off his credit card balance. He made a payment of £1,090.15 over the phone whilst ... (3 pages)View decision -
Decision Reference DRN-6255570
12 Apr 2026 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-6255570 The complaint Mr C complains that Barclays Bank UK PLC trading as Tesco Bank didn’t report an interest free plan as an arrangement on his credit file and instead reported it as missed payments. What happened Mr C holds a credit card account with Tesco Bank. On 27 June 2025 M... (4 pages)View decision -
Decision Reference DRN-6230857
11 Apr 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-6230857 The complaint Mr G complains that American Express Servies Europe Limited trading as American Express (AESEL) blocked his card without warning, provided him with misleading and contradictory information about his account and failed to handle his complaint fairly. What happen... (4 pages)View decision