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-5825709
13 Oct 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY UpheldConsumer CreditDRN-5825709 Complaint Miss E is unhappy with what National Westminster Bank Public Limited Company (“NatWest”) has agreed to do to put things right after she complained about personal loans that it provided to her. Background Miss E has also complained about an overdraft and a credit c... (4 pages)View decision -
Decision Reference DRN-5658104
13 Oct 2025 Admiral Financial Services Limited Not upheldConsumer CreditDRN-5658104 Complaint Mr W has complained about a loan Admiral Financial Services Limited (“Admiral”) provided to him. He says that the repayments to the loan were not affordable and so it was irresponsibly provided to him. Background Admiral provided Mr W with a loan for £3,000.00 in ... (3 pages)View decision -
Decision Reference DRN-5795637
13 Oct 2025 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-5795637 Complaint Miss D has complained about a credit card Jaja Finance Ltd (“Jaja”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background Jaja provided Miss D with a credit card with a limit of £1,200.00 in August 2024. Th... (3 pages)View decision -
Decision Reference DRN-5667061
13 Oct 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5667061 Complaint Mr H 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 January 2017, Advantage Finance provided Mr H w... (5 pages)View decision -
Decision Reference DRN-5639642
13 Oct 2025 Close Brothers Limited Not upheldConsumer CreditDRN-5639642 Complaint Mr K complains that Close Brothers Limited (trading as “Close Brothers” Motor Finance) unfairly entered into a conditional sale agreement with him. He’s effectively said that the finance wasn’t affordable and so shouldn’t have been provided to him. Background In D... (3 pages)View decision -
Decision Reference DRN-5872093
13 Oct 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5872093 Complaint Mrs M has complained about a loan Fairscore Ltd (trading as “Updraft”) provided to her. She says that the loan was unaffordable given her circumstances at the time and that she ended up borrowing more to make her payments. Background Updraft provided Mrs M with a ... (3 pages)View decision -
Decision Reference DRN-5738863
13 Oct 2025 BMW Financial Services (GB) Limited Not upheldConsumer CreditDRN-5738863 Complaint Mr A complains that BMW Financial Services (GB) Limited (trading as “Alphera” Financial Services) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In January 2022, Alphera... (3 pages)View decision -
Decision Reference DRN-5810935
13 Oct 2025 Zopa Bank Limited Not upheldBanking and PaymentsDRN-5810935 Complaint Ms C has complained about a credit card Zopa Bank Limited (“Zopa”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background Zopa provided Ms C with a credit card with a limit of £600 in November 2023. The lim... (3 pages)View decision -
Decision Reference DRN-5646490
13 Oct 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5646490 Complaint Mr G 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 July 2021, M... (3 pages)View decision -
Decision Reference DRN-5775560
13 Oct 2025 Bamboo Limited Not upheldConsumer CreditDRN-5775560 Complaint Mr M has complained about a loan Bamboo Limited (trading as “Bamboo”) provided to him. He says that the loan was unaffordable and so it shouldn’t have been provided. Background Bamboo provided Mr M with a loan for £2,900.00 in October 2023. The total amount to be ... (3 pages)View decision