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 634 results
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Decision Reference DRN-5346699
26 Aug 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5346699 The complaint Miss A complains that a car that was supplied to her under a hire purchase agreement with Startline Motor Finance Limited wasn’t of satisfactory quality. She’s being helped with her complaint by her mother. What happened A used car was supplied to Miss A under ... (3 pages)View decision -
Decision Reference DRN-3384370
12 May 2022 MBNA Limited Not upheldBanking and PaymentsDRN-3384370 The complaint Mr S complains about the way that MBNA Limited has dealt with his credit card account. What happened Mr S opened a credit card account with MBNA in January 2011 and he made a balance transfer of £8,900 to the account that month. He also made balance transfers to t... (3 pages)View decision -
Decision Reference DRN-2456157
19 Jan 2021 Oodle Financial Services Limited Not upheldConsumer CreditDRN-2456157 The complaint Mr N complains that a car that was supplied to him under a hire purchase agreement with Oodle Financial Services Limited, trading as Oodle Car Finance, wasn’t of satisfactory quality. What happened The details of this complaint are well known to both parties and h... (2 pages)View decision -
Decision Reference DRN-5036561
1 Oct 2024 Shawbrook Bank Limited Not upheldConsumer CreditDRN-5036561 The complaint Mrs C complains that Shawbrook Bank Limited has terminated her loan agreement and recorded a default on her credit file. What happened Mrs C agreed a loan of £7,000 from Shawbrook Bank in April 2022. There were issues with the monthly repayment of £162.45 and M... (4 pages)View decision -
Decision Reference DRN-2186093
7 Dec 2020 BMW Financial Services(GB) Limited UpheldConsumer CreditDRN-2186093 The complaint Mr W complains about the way that BMW Financial Services (GB) Limited, trading as Alphera Financial Services, has dealt with his payments for a car that was supplied to him under a hire purchase agreement. His wife is also involved in his complaint. What happened... (3 pages)View decision -
Decision Reference DRN-5594156
13 Jun 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5594156 The complaint Mr C complains that Barclays Bank UK PLC, trading as Barclaycard, hasn’t set up a payment plan on his credit account and about the way that it has delay with him. What happened Mr C has a credit card account with Barclaycard and he complained to this service la... (3 pages)View decision -
Decision Reference DRN5934594
21 Nov 2019 Wirecard Card Solutions Limited Not upheldBanking and creditMr R complains about the inactivity fees that have been applied to his pre-paid currency card by Wirecard Card Solutions Limited. backgroundMr R went to a foreign-exchange counter of a bank in June 2016 because he wanted €50. He says that he was persuaded to take a pre-paid currency card w... (2 pages)View decision -
Decision Reference DRN2955096
21 Mar 2017 Clydesdale Financial Services Limited Not upheldBanking and creditMr R complains that his loan agreement with Clydesdale Financial Services Limited, trading as Barclays Partner Finance, was unaffordable for him. He’s being helped with his complaint by his daughter. backgroundMr R signed a fixed sum loan agreement with Barclays Partner F... (2 pages)View decision -
Decision Reference DRN-5362213
24 Mar 2025 Salary Finance Loans Limited UpheldConsumer CreditDRN-5362213 The complaint Mr S complains about issues caused by Salary Finance Loans Limited in collecting the payments due from him under a fixed sum loan agreement. What happened Mr S entered into a fixed sum loan agreement with Salary Finance Loans in May 2023 for a loan of £25,000. ... (3 pages)View decision -
Decision Reference DRN-2374694
24 Nov 2020 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-2374694 The complaint Mr S complains that Volkswagen Financial Services (UK) Limited, trading as Audi Financial Services, has terminated the hire purchase agreement under which a used car was supplied to him. What happened Mr S entered into a hire purchase agreement with Audi Financial... (4 pages)View decision
