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 5125 results
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Decision Reference DRN-5441210
31 Jul 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5441210 Complaint Mr B complains that Advantage Finance Ltd (“Advantage Finance”) 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 lent ... (3 pages)View decision -
Decision Reference DRN-5025139
7 Oct 2024 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5025139 Complaint Mr R complains that Specialist Motor Finance Limited (“SMF”) unfairly entered into a hire- purchase agreement with him. He’s said that the agreement was unaffordable and the finance therefore shouldn’t have been provided to him. Background In October 2019, SMF pro... (3 pages)View decision -
Decision Reference DRN3336276
14 Jan 2020 Valour Finance Limited Not upheldBanking and creditMr H complains that Valour Finance Limited (trading as ‘Savvy’) irresponsibly lent to him. backgroundMr H borrowed £1,500 from Savvy in June 2018. The loan was set to run for 15 months and his repayments were set at £200 per month. From the information provided, I can see that there’s stil... (3 pages)View decision -
Decision Reference DRN-4075703
3 Aug 2023 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4075703 The complaint Mr R complains that Brent Shrine Credit Union Limited trading as My Community Bank (MCB) lent to him irresponsibly. What happened In October 2021, Mr R applied to MCB for a loan of £5,000. It was agreed and was to be repaid in 48 monthly instalments of approximate... (3 pages)View decision -
Decision Reference DRN-5260243
17 Jan 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5260243 Complaint Mr G complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the proper checks weren’t carried out and he was provided with finance that was unaffordable. Background In April 2021, ... (4 pages)View decision -
Decision Reference DRN-3204574
19 Dec 2021 Capital One (Europe) plc UpheldBanking and PaymentsDRN-3204574 The complaint Mr B complains that Capital One (Europe) plc (“Capital One”) lent to him irresponsibly. Mr B is being represented in this complaint by Miss M. For simplicity I’ve referred to the representative’s actions as being those of Mr B. What happened Mr B had three credit... (4 pages)View decision -
Decision Reference DRN4696543
6 Nov 2017 Barclays Bank Plc UpheldBanking and creditMiss J complains that Barclays Bank Plc has held her liable for a number of transactions that she says were made fraudulently by an acquaintance. The bank has agreed to credit her account with the value of a number of the transactions – although not the majori... (5 pages)View decision -
Decision Reference DRN-4114046
6 Oct 2023 TSB Bank plc Not upheldBanking and PaymentsDRN-4114046 The complaint Mr W complains that TSB Plc, trading as TSB Bank (‘TSB’), irresponsibly gave him a credit card account that he couldn’t afford. What happened Mr W was granted his credit card account in September 2021. The opening credit limit was £2,500. It was never increased. M... (2 pages)View decision -
Decision Reference DRN-4604524
7 Feb 2024 Commsave Credit Union Limited UpheldConsumer CreditDRN-4604524 Complaint Mr M has complained that Commsave Credit Union Limited (“Commsave”) provided him with unaffordable loans. He says the loans were unaffordable because of a gambling addiction. Background Commsave provided Mr M with a total of ten loans. Mr M’s borrowing history with Co... (7 pages)View decision -
Decision Reference DRN-5876788
23 Oct 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5876788 The complaint Mr S complains that Bank of Scotland (“BoS”) acted irresponsibly when it granted him an overdraft and subsequent increase and failed to consider patterns of reliance on debt and hardcore borrowing What happened Mr S has held a current account with BoS for a num... (5 pages)View decision
