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 392389 results
-
Decision Reference DRN-5954529
17 Nov 2025 Santander Consumer (UK) Plc Not upheldConsumer CreditDRN-5954529 The complaint Mr B says Santander Consumer (UK) Plc trading as Santander Consumer Finance (‘Santander’), irresponsibly lent to him. Mr B says that it didn’t take reasonable steps to ensure he could afford the repayments towards a conditional sale agreement to purchase a car.... (4 pages)View decision -
Decision Reference DRN-5935506
17 Nov 2025 MotoNovo Finance Limited UpheldConsumer CreditDRN-5935506 The complaint Mr B has complained that MotoNovo Finance Limited (MotoNovo) unfairly provided him with credit for a car. What happened In March 2021, Mr B entered into a finance agreement with MotoNovo for the purchase of a car as shown below. Date Amount of credit Term Mon... (4 pages)View decision -
Decision Reference DRN-5843634
17 Nov 2025 Creation Consumer Finance Ltd Not upheldConsumer CreditDRN-5843634 The complaint Mrs W is unhappy with the interest Creation Consumer Finance Ltd (Creation) applied to her running account credit agreement. What happened On 2 March 2024, Mrs W purchased electrical goods from a company I’ll call ‘R’. The total price was £1,624 and Mrs W finan... (2 pages)View decision -
Decision Reference DRN-5816747
17 Nov 2025 Inclusive Finance Limited UpheldConsumer CreditDRN-5816747 The complaint Mrs H complains that Inclusive Finance Limited trading as Creditspring (“Creditspring”) irresponsibly provided her with back to back loans which resulted in the last loan taken out being unaffordable for her. What happened Creditspring provided Mrs H with four... (4 pages)View decision -
Decision Reference DRN-5633171
17 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5633171 The complaint Mr M complains that Barclays Bank UK PLC didn’t do enough to protect his money when he fell victim to an investment scam. He wants his losses refunded. Mr M is represented by a third party but for ease of reference I have referred to Mr M throughout this decisi... (4 pages)View decision -
Decision Reference DRN-5650867
17 Nov 2025 Lendable Ltd UpheldConsumer CreditDRN-5650867 The complaint Miss K has complained that Lendable Ltd unfairly provided her with three loans. What happened Miss K entered into loan agreements with Lendable as shown below: Loan 1 Date Amount of credit Term Monthly payment Total repayable 27 December 2020 £1,000 24 month... (4 pages)View decision -
Decision Reference DRN-5954318
17 Nov 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5954318 The complaint Mr I is complaining about Barclays Bank UK PLC because it declined to refund money he says he lost as a result of fraud. What happened Mr I says he fell victim to an investment scam after he was contacted by someone claiming to be a broker who set him up with a... (2 pages)View decision -
Decision Reference DRN-5889323
17 Nov 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5889323 The complaint With the help of a professional representative (PR), Mr P complains that Moneybarn No.1 Limited lent to him irresponsibly. For ease, I’ll mainly refer to the action of the PR as being those of Mr P. What happened Mr P applied for and entered into a Conditional ... (4 pages)View decision -
Decision Reference DRN-5882313
17 Nov 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5882313 Complaint Mr M has complained about a credit card Clydesdale Bank Plc (trading as “Virgin Money”) provided to him. He says he shouldn’t have been provided with a credit card as it was unaffordable for him. Background Virgin Money provided Mr M with a credit card with a limi... (3 pages)View decision -
Decision Reference DRN-5885144
17 Nov 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5885144 Complaint Mr V 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 December 201... (3 pages)View decision