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
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Decision Reference DRN-5949477
17 Nov 2025 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5949477 Complaint Mrs G and Mr S have complained about the overdraft charges The Royal Bank of Scotland Plc (“RBS”) applied to their current account. Mrs G and Mr S are being represented, by the (“representative”), in their complaint. The representative has said the charges applie... (5 pages)View decision -
Decision Reference DRN-5952716
17 Nov 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5952716 Complaint Ms A has complained about a credit card Clydesdale Bank Plc (trading as “Virgin Money”) provided to her. She says she shouldn’t have been provided with this credit card as she already had a lot of debt and was therefore already struggling with her finances. Backgr... (3 pages)View decision -
Decision Reference DRN-5936400
17 Nov 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5936400 Complaint Mr V complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable which caused him ongoing difficulty. Background In February 2016, Advantage Finance provided Mr V ... (5 pages)View decision -
Decision Reference DRN-5735794
17 Nov 2025 Lendable Ltd Not upheldConsumer CreditDRN-5735794 Complaint Ms C has complained about a loan Lendable Ltd (“Lendable”) provided to her. She says that Lendable provided her with an unaffordable loan at a time when she was already financially stretch and couldn’t afford this loan. Background Lendable provided Ms C with a loa... (3 pages)View decision -
Decision Reference DRN-5754727
17 Nov 2025 Black Horse Limited Not upheldConsumer CreditDRN-5754727 Complaint Mr C complains that Black Horse Limited (“Black Horse”) unfairly entered into a hire- purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so he shouldn’t have been lent to. Background In October 2020, Black Hors... (3 pages)View decision -
Decision Reference DRN-5947885
17 Nov 2025 Bank of Scotland Plc UpheldBanking and PaymentsDRN-5947885 Complaint Mr B has complained about a credit card as well as a subsequent limit increase that Bank of Scotland plc (trading as “Halifax”) provided to him. He says that credit card and limit increase were agreed to on the basis of incorrect information and therefore the chec... (4 pages)View decision -
Decision Reference DRN-5749532
17 Nov 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5749532 Complaint Mr R complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In November 2021, Oodle provided Mr ... (3 pages)View decision -
Decision Reference DRN-5905757
17 Nov 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5905757 Complaint Mr H 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 June 2018, M... (3 pages)View decision -
Decision Reference DRN-5938240
16 Nov 2025 Investec Wealth & Investment Limited UpheldInvestmentsDRN-5938240 The complaint Mrs F complains, in essence, that Investec Wealth & Investment Limited (“Investec”) advised her to invest in offshore investment bonds in 2012 and 2016 but failed to advise her to put in place arrangements that could shelter the proceeds from inheritance ta... (18 pages)View decision -
Decision Reference DRN-5775762
16 Nov 2025 MotoNovo Finance Limited Not upheldConsumer CreditDRN-5775762 The complaint Mr B is unhappy that a car supplied to him under a hire purchase agreement with MotoNovo Finance Limited (MotoNovo) was mis sold and of unsatisfactory quality. When I refer to what Mr B has said and what Motability have said, it should also be taken to include... (4 pages)View decision