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 1126 results
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Decision Reference DRN-4600375
11 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4600375 The complaint Mr G complains that Moneybarn No. 1 Limited (‘Moneybarn’) irresponsibly granted him a conditional sale agreement he couldn’t afford to repay. What happened In November 2021, Mr G acquired a used car financed by a conditional sale agreement from Moneybarn. Mr G... (3 pages)View decision -
Decision Reference DRN-4994789
11 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4994789 The complaint Mr G complains Moneybarn No 1 Limited trading as Moneybarn didn’t sufficiently check his financial situation before they agreed to lend to him. In bringing his complaint Mr G is represented by a third party. For ease of reading I will only refer to Mr G in my d... (4 pages)View decision -
Decision Reference DRN-4827578
6 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4827578 The complaint Mr H says Moneybarn No. 1 Limited trading as Moneybarn, irresponsibly lent to him. This is because it didn’t carry out proportionate checks before lending. If it had made better checks then it would have seen that his financial situation was poor. He says the l... (4 pages)View decision -
Decision Reference DRN-5005927
5 Sep 2024 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5005927 The complaint Mrs L complains that Moneybarn No. 1 Limited (“Moneybarn”) supplied her with a car that wasn’t of satisfactory quality at the point of supply. What happened Mrs L took out a conditional sale agreement with Moneybarn in February 2023 to acquire a used car. The ... (8 pages)View decision -
Decision Reference DRN-4985155
2 Sep 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4985155 Complaint Miss W complains that Moneybarn No.1 Ltd (“Moneybarn”) unfairly entered into a conditional-sale agreement with her. She’s said the agreement was unaffordable for her. Background In June 2022, Moneybarn provided Miss W with finance for a used car. The cash price of... (3 pages)View decision -
Decision Reference DRN-4982924
30 Aug 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4982924 Complaint Miss H complains that Moneybarn No.1 Ltd (“Moneybarn”) unfairly entered into a conditional- sale agreement with her. She’s said the agreement was unaffordable for her. Background In December 2018, Moneybarn provided Miss H with finance for a used car. The cash pri... (3 pages)View decision -
Decision Reference DRN-4978572
27 Aug 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4978572 Complaint Mr P complains that Moneybarn No.1 Limited (“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 September 2019, Moneyba... (4 pages)View decision -
Decision Reference DRN-4600578
23 Aug 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4600578 The complaint Ms B complains that Moneybarn No. 1 Limited failed to support her when she fell into financial difficulty. What happened In October 2021 Ms B entered into a regulated conditional sale agreement to finance her purchase of a used car. The amount of credit was £4,... (6 pages)View decision -
Decision Reference DRN-4967274
22 Aug 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4967274 The complaint Ms M complains through a representative that Moneybarn No.1 Limited trading as Moneybarn (“Moneybarn”) gave her a loan without carrying out a sufficient affordability assessment. What happened In August 2017, Moneybarn provided Ms M with finance for a used car... (4 pages)View decision -
Decision Reference DRN-4839492
19 Aug 2024 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-4839492 Complaint Miss Y has complained about the quality of a car that Moneybarn No.1 Limited (“Moneybarn”) supplied to her through a conditional sale agreement. Background In August 2023, Moneybarn provided Miss Y with finance for a used car. The car was approximately seven and a... (4 pages)View decision
