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
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Decision Reference DRN-5421871
20 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5421871 The complaint Mr P complains that Moneybarn No. 1 Limited trading as Moneybarn lent to him irresponsibly. What happened On 16 November 2017, Mr P entered into a finance agreement with Moneybarn as shown below, to buy a used van. He repaid the agreement in June 2023. Date A... (3 pages)View decision -
Decision Reference DRN-5415624
19 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5415624 The complaint Mr D says Moneybarn No. 1 Limited, (‘Moneybarn’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards a conditional sale agreement to purchase a car. He says that, at the time of sale, he had... (4 pages)View decision -
Decision Reference DRN-5498306
18 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5498306 The complaint Miss E complains that Moneybarn No 1 Limited trading as Moneybarn sold her car finance which was unaffordable for her. What happened In July 2019 Miss E entered into a conditional sale agreement with Moneybarn to purchase a car. The capital amount of the loan w... (3 pages)View decision -
Decision Reference DRN-5109051
18 Jun 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5109051 The complaint Mr L complains about the quality of a used vehicle he acquired through a conditional sale agreement with Moneybarn No. 1 Limited (‘Moneybarn’). Mr L says that the van wasn’t of satisfactory quality, and it has needed to be repaired several times very soon after... (4 pages)View decision -
Decision Reference DRN-5361279
18 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5361279 The complaint Mr R through his representative complains that Moneybarn No 1 Limited lent to him without carrying out the proper checks and using this finance he purchased a car which he could not afford to repay. What happened Mr R used the regulated conditional sale agreeme... (2 pages)View decision -
Decision Reference DRN-5548667
17 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5548667 The complaint Ms S complains that Moneybarn No. 1 Limited (“Moneybarn”) entered into a Conditional Sale agreement with her when it was unaffordable. She has complained using a professional representative, but I’ll refer to Ms S throughout. What happened In April 2021, Ms S ... (4 pages)View decision -
Decision Reference DRN-5464111
17 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5464111 The complaint Mr F complaints that Moneybarn No. 1 Limited (‘Moneybarn’), irresponsibly lent to him. He says it didn’t take reasonable steps to ensure he could afford the repayments towards a conditional sale agreement to purchase a car. He says the loan wasn’t affordable fo... (4 pages)View decision -
Decision Reference DRN-5621222
16 Jun 2025 Moneybarn No. 1 Limited UpheldConsumer CreditDRN-5621222 The complaint Mr W complains about a car supplied to him using a conditional sale agreement taken out with Moneybarn No. 1 Limited (“Moneybarn”). What happened In July 2022, Mr W acquired a used car using a conditional sale agreement with Moneybarn. The car was over ten yea... (5 pages)View decision -
Decision Reference DRN-5626034
16 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5626034 The complaint Mr M complains about the quality of a car he acquired under a conditional sale agreement with Moneybarn No. 1 Limited (Moneybarn). When I refer to what Mr M has said and what Moneybarn have said, it should also be taken to include things said on their behalf. ... (7 pages)View decision -
Decision Reference DRN-5482215
16 Jun 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5482215 Complaint Mr E complains that Moneybarn No.1 Limited (“Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said that the finance that was unaffordable. Background In August 2018, Moneybarn provided Mr E with finance for a used car. The purchase pri... (3 pages)View decision