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 170994 results
-
Decision Reference DRN-5868158
16 Oct 2025 MotoNovo Finance Limited UpheldConsumer CreditDRN-5868158 The complaint Mrs D complains that a hire purchase agreement with MotoNovo Finance Limited under which a car was supplied to her was unaffordable for her. What happened A used car was supplied to Mrs D under a hire purchase agreement with MotoNovo Finance that she electronic... (3 pages)View decision -
Decision Reference DRN-5458427
16 Oct 2025 Santander UK Plc UpheldBanking and PaymentsDRN-5458427 THE COMPLAINT Mrs L complains that Santander UK Plc (“Santander”) will not reimburse her money she says she lost when she fell victim to a scam. Mrs L is represented by CEL Solicitors (“CEL”) in this matter. However, where appropriate, I will refer to Mrs L solely in this ... (5 pages)View decision -
Decision Reference DRN-5883972
16 Oct 2025 Mitsubishi HC Capital UK Plc UpheldConsumer CreditDRN-5883972 The complaint Mr L’s complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Novuna Personal Finance (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 ... (25 pages)View decision -
Decision Reference DRN-5859231
16 Oct 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5859231 The complaint Miss A complains about the way in which Clydesdale Bank Plc trading as Virgin Money handled her disputed transaction claim. What happened Miss A booked a stay at a property on Booking.com and paid using her Virgin credit card. Miss A experienced issued with the... (3 pages)View decision -
Decision Reference DRN-5888790
16 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5888790 The complaint Mr F complains that NewDay Ltd lent irresponsibly when it approved three credit card applications he made and increased the limit on all the accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional decis... (5 pages)View decision -
Decision Reference DRN-5584751
16 Oct 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5584751 The complaint Mr B complains that Bank of Scotland plc lent irresponsibly when it approved his credit card application. What happened Mr B successfully applied for a Bank of Scotland credit card in August 2019. Bank of Scotland issued a credit card with a £2,000 limit to Mr... (2 pages)View decision -
Decision Reference DRN-5823198
16 Oct 2025 Volvo Car UK Limited Not upheldConsumer CreditDRN-5823198 The complaint Ms R complains that Volvo Car UK Limited trading as UK Automotive Solutions Limited misrepresented a subscription finance agreement. What happened In March 2023 Ms R was supplied with a car and entered into a subscription finance agreement with Volvo. At the ti... (2 pages)View decision -
Decision Reference DRN-5684422
16 Oct 2025 Lendable Ltd Not upheldConsumer CreditDRN-5684422 The complaint Miss B complains that the car she acquired through Lendable Ltd, trading as Autolend, wasn’t of satisfactory quality. She’s unhappy with the way in which Lendable has proposed to settle her complaint. What happened Miss B entered into a hire purchase agreement ... (3 pages)View decision -
Decision Reference DRN-5817527
16 Oct 2025 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-5817527 The complaint Mr E complains that CA Auto Finance UK Ltd (which I’ll call “CA”) supplied him with a used car which was not of satisfactory quality under a five-year hire purchase agreement. He says that he was also misled about the car’s service history and the terms of a wa... (3 pages)View decision -
Decision Reference DRN-5791061
16 Oct 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5791061 The complaint Mr C complains that Nationwide Building Society made payments by standing order after he’d tried to cancel it and about the service he received from the Nationwide representative. What happened Mr C tried to cancel a standing order payable to a relative in Marc... (2 pages)View decision
