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 179155 results
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Decision Reference DRN-6090337
11 Feb 2026 Oakbrook Finance Limited Not upheldConsumer CreditDRN-6090337 The complaint Mr B is unhappy OAKBROOK FINANCE LIMITED trading as Oakbrook Loans provided him with a loan which was unaffordable. What happened In August 2025, Oakbrook provided Mr B with a loan for £2,500. This was due to be repaid in 48 monthly instalments of around £81. ... (3 pages)View decision -
Decision Reference DRN-6137688
11 Feb 2026 REMITLY U.K., LTD Not upheldBanking and PaymentsDRN-6137688 The complaint Mr C is complaining that REMITLY U.K., LTD (Remitly) didn’t do enough to prevent him from making payments to an investment scheme which was later identified to be a scam. What happened Mr C decided to invest in a scheme I’ll call M. He instructed Remitly to mak... (2 pages)View decision -
Decision Reference DRN-5995522
11 Feb 2026 Paragon Bank Plc Not upheldConsumer CreditDRN-5995522 The complaint Mr F complains that Paragon Bank Plc, trading as Paragon Motor Finance (Paragon) set the balloon payment on his finance agreement too high. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief over... (2 pages)View decision -
Decision Reference DRN-6051543
11 Feb 2026 MotoNovo Finance Limited Not upheldConsumer CreditDRN-6051543 The complaint Mr I is unhappy about charges MotoNovo Finance Limited (MotoNovo) asked him to pay after he voluntarily terminated his finance agreement. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overvi... (2 pages)View decision -
Decision Reference DRN-6144730
11 Feb 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6144730 The complaint Mr T complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (‘BPF’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 (as amended) (t... (2 pages)View decision -
Decision Reference DRN-6098568
11 Feb 2026 Barclays Bank UK PLC UpheldConsumer CreditDRN-6098568 The complaint Mr C complains that Barclays Bank UK PLC was irresponsible in its lending to him. He wants a refund for the money he borrowed. Mr C is represented by a family member but for ease of reference I have referred to Mr C throughout this decision. What happened Mr C ... (5 pages)View decision -
Decision Reference DRN-6093053
11 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6093053 The complaint Miss H complains about charges Mitsubishi HC Capital UK PLC, trading as Novuna Vehicle Solutions (who I’ll call Novuna) asked her to pay when she returned a car she had been financing through an agreement with them. What happened The detailed background to this... (3 pages)View decision -
Decision Reference DRN-6026656
11 Feb 2026 Mercedes-Benz Financial Services UK Limited UpheldConsumer CreditDRN-6026656 The complaint Miss E complains about end of lease charges Mercedes-Benz Financial Services UK Limited (MBFS) have asked her to pay. 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 ke... (3 pages)View decision -
Decision Reference DRN-6125452
11 Feb 2026 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-6125452 The complaint Mr A complains that Blue Motor Finance Ltd trading as Blue Motor Finance (BMF) lent to him irresponsibly. What happened Mr A applied for a Hire Purchase agreement (HP) with BMF. He tells us “prior to this I had been in a car accident that had written off my car... (3 pages)View decision -
Decision Reference DRN-6105746
11 Feb 2026 Black Horse Limited Not upheldConsumer CreditDRN-6105746 The complaint Miss S is unhappy that Black Horse Limited (Black Horse) recorded a default onto her credit file in relation to a hire purchase she had with it. What happened In December 2022, Miss S entered in a hire purchase agreement with Black Horse to acquire a used vehic... (4 pages)View decision