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
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Decision Reference DRN-5628697
24 Jul 2025 Salary Finance Limited UpheldConsumer CreditDRN-5628697 The complaint Mr V complains that he was misadvised about being able to adjust the APR on a loan from Salary Finance Limited. What happened In April 2024 Mr V applied for a loan from Salary Finance. During the application process Mr V experienced an issue with the loan appli... (2 pages)View decision -
Decision Reference DRN-5392119
24 Jul 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5392119 The complaint Mr V complains that Revolut Ltd won’t refund money he lost when he was the victim of a crypto investment scam. Mr V is represented by a firm I’ll refer to as ‘C’. What happened The background to this complaint is well known to both parties and so I’ll only refe... (10 pages)View decision -
Decision Reference DRN-5631355
24 Jul 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5631355 The complaint Miss C complains about a charge for excess mileage by Mitsubishi HC Capital UK PLC ,trading as Novuna Vehicle Solutions, (Novuna). She would like the charge waived and debt collection activities ceased.. What happened The details of this complaint are well kno... (2 pages)View decision -
Decision Reference DRN-5712529
24 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5712529 The complaint Mrs M complains that Revolut Ltd won’t refund payments she made as part of a scam. What happened Mrs M was the victim of an investment scam. This involved the following payments from her newly opened Revolut account, which was topped up with money from her Nati... (4 pages)View decision -
Decision Reference DRN-5668129
24 Jul 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5668129 The complaint Mr J is unhappy that a van supplied to him under a conditional sale agreement with Moneybarn No.1 Limited was of an unsatisfactory quality. What happened In November 2023, Mr J was supplied with a used commercial vehicle, a van, through a conditional sale agre... (3 pages)View decision -
Decision Reference DRN-5712431
24 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5712431 The complaint Mrs W complains that NewDay Ltd have irresponsibly lent to her. What happened Mrs W was approved for a NewDay branded credit card in January 2020 (which I will refer to as A in this decision). A was approved with a £900 credit limit. I have detailed the credit ... (5 pages)View decision -
Decision Reference DRN-5387817
24 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5387817 The complaint Mr O complains that Revolut Ltd hasn’t refunded unauthorised payments made on his account to an investment scam. What happened In March 2024, Mr O says he was contacted about an investment opportunity that he later realised was a scam. He granted the caller acc... (2 pages)View decision -
Decision Reference DRN-5707717
24 Jul 2025 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-5707717 The complaint Mr A complains that a car supplied to him under a hire agreement with Volkswagen Financial Services (UK) trading as Audi Financial Services (VWFS) was of unsatisfactory quality. When I refer to what Mr A or VWFS have said or done, it should also be taken to in... (6 pages)View decision -
Decision Reference DRN-5659932
24 Jul 2025 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5659932 The complaint Mr G complains that some end of contract hire charges Mitsubishi HC Capital UK PLC (Mitsubishi) applied were unfair. He would like these waived. What happened The details of this complaint are well known to both parties, so I won't repeat these again here... (2 pages)View decision -
Decision Reference DRN-5705008
24 Jul 2025 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5705008 The complaint Mr R’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 him under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) decid... (14 pages)View decision
