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 124111 results
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Decision Reference DRN-5794479
3 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5794479 The complaint Mrs D complains that NewDay Ltd trading as BIP have irresponsibly lent to her. Mrs D is represented by a Claims Management Company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs... (4 pages)View decision -
Decision Reference DRN-5565319
3 Sep 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5565319 The complaint Mr J complains about the issues he experienced in changing his Direct Debit (DD) date and about the support he received from Moneybarn No. 1 Limited trading as Moneybarn (Moneybarn) when he was in financial hardship. When I refer to what Mr J and/or Moneybarn ... (6 pages)View decision -
Decision Reference DRN-5483583
3 Sep 2025 Oodle Financial Services Limited UpheldConsumer CreditDRN-5483583 The complaint Miss R is unhappy with the quality of a car financed with Oodle Financial Services Limited using a hire purchase agreement. What happened In March 2024, Miss R entered into a hire purchase with Oodle for a used car. The car was around 10 years old and had been ... (3 pages)View decision -
Decision Reference DRN-5793479
3 Sep 2025 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-5793479 The complaint Mr B complains about the way Admiral Insurance (Gibraltar) Limited (Admiral) handled the claim he made under his motor insurance policy and its decision to decline his claim. What happened The circumstances of this complaint will be well known to both parties a... (6 pages)View decision -
Decision Reference DRN-5794146
3 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5794146 The complaint Ms S complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Ms S is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Ms S herself. What... (5 pages)View decision -
Decision Reference DRN-5786720
3 Sep 2025 Mortgage Advice Bureau Limited UpheldMortgagesDRN-5786720 The complaint Miss P complains that Mortgager Advice Bureau Limited (MAB) did not submit an application for a rate switch on her mortgage. As a result, she has had to take a higher interest rate. What happened In January 2024, Miss P contacted Start Financial Services (a tra... (3 pages)View decision -
Decision Reference DRN-5794069
3 Sep 2025 Quilter Mortgage Planning Limited UpheldMortgagesDRN-5794069 The complaint This complaint is about a new fixed rate product Mr W arranged on his mortgage via a mortgage broker firm that is part of Quilter Mortgage Planning Limited. The essence of the complaint is that having arranged the new product approximately five months in advan... (4 pages)View decision -
Decision Reference DRN-5775603
3 Sep 2025 PayPal UK Ltd UpheldBanking and PaymentsDRN-5775603 The complaint Mr R complains PayPal UK Ltd declined his seller protection claim. What happened Mr R entered into a contract to place adverts on videos and streams he was doing online. The advertiser paid Mr R £3,000 to place these adverts for a quarter, with an understandi... (3 pages)View decision -
Decision Reference DRN-5793881
2 Sep 2025 New Wave Capital Limited UpheldBanking and PaymentsDRN-5793881 The complaint N complains about the service it has received from New Wave Capital Limited trading as Capital on Tap since 2023. N is represented in bringing this complaint to us by its director, Mr R. What happened Mr R, on behalf of N, entered into a credit agreement with C... (5 pages)View decision -
Decision Reference DRN-5663104
2 Sep 2025 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5663104 The complaint Mr H is unhappy with Lloyds Bank Plc. Mr H had a bank account with Lloyds, but he also had a share dealing account with Lloyds too. Lloyds noticed that Mr H had different names noted on the linked accounts and restricted his account access. What happened Mr H ... (3 pages)View decision
