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 1382 results
-
Decision Reference DRN-5337653
2 Sep 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5337653 The complaint Mr O complains that Moneybarn No. 1 Limited trading as Moneybarn irresponsibly provided him with an unaffordable credit agreement to finance a vehicle. Mr O’s complaint has been brought by a professional representative, but for ease I’ve referred to all submis... (4 pages)View decision -
Decision Reference DRN-5485216
2 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5485216 The complaint Mr M, through his representative, complains that Moneybarn No. 1 Limited trading as Moneybarn lent to him irresponsibly by approving a finance agreement for a van which he could not afford. What happened In September 2021 Mr M took a car finance agreement – a c... (4 pages)View decision -
Decision Reference DRN-5651728
1 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5651728 The complaint Mr N complains that a car supplied to him under a conditional sale agreement with Moneybarn No. 1 Limited was of an unsatisfactory quality. What happened In June 2023, Mr N was supplied with a used car through a conditional sale agreement with Moneybarn. The ca... (4 pages)View decision -
Decision Reference DRN-5618137
1 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5618137 The complaint Mr M complains that Moneybarn No. 1 Limited lent to him irresponsibly. What happened On 18 January 2024, Mr M entered into a Conditional Sale Agreement with Moneybarn in order to acquire a used car. It was agreed on the following terms: Cash price Deposit paid... (3 pages)View decision -
Decision Reference DRN-5592713
1 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5592713 Complaint Mr R 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 January 2021, Moneybarn... (3 pages)View decision -
Decision Reference DRN-5671653
1 Sep 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5671653 Complaint Mr B 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 November 2019, Moneybar... (3 pages)View decision -
Decision Reference DRN-5459577
29 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5459577 The complaint Mr T complains that a used vehicle he purchased via a conditional sale agreement with Moneybarn No.1 Limited had been misrepresented to him. What happened In January 2021 Mr T arranged to purchase a used vehicle from a dealership via a 48-month conditional sale... (3 pages)View decision -
Decision Reference DRN-5765495
28 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5765495 The complaint Mr G complains that Moneybarn No. 1 Limited (Moneybarn) failed to tell him that he couldn’t voluntarily terminate his finance agreement with them in July 2024. What happened The detailed background to this complaint is well known to both parties. So, I’ll only ... (2 pages)View decision -
Decision Reference DRN-5621688
28 Aug 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5621688 The complaint Mr D is unhappy that a car supplied to him under a conditional sale agreement with Moneybarn No.1 Limited was of an unsatisfactory quality. What happened In June 2024, Mr D was supplied with a used car through a conditional sale agreement with Moneybarn. He pa... (4 pages)View decision -
Decision Reference DRN-5450611
26 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5450611 The complaint Mr F says Moneybarn No. 1 Limited (‘Moneybarn’), irresponsibly lent to him. He says that it didn’t make proportionate checks to ensure he could afford the repayments towards a conditional sale agreement to purchase a car. He says that the agreement wasn’t affor... (4 pages)View decision