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 400694 results
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Decision Reference DRN-6253207
2 Apr 2026 PayPal UK Ltd Not upheldBanking and PaymentsDRN-6253207 The complaint Mr K complains that PayPal UK Ltd trading as PayPal unfairly refuses to refund him money he says he lost in an investment scam and it also refuses to compensate him for his consequential losses. What happened The circumstances surrounding this complaint are wel... (4 pages)View decision -
Decision Reference DRN-6267241
2 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6267241 Complaint Mr and Mrs R complain that Moneybarn No.1 Limited (“Moneybarn”) failed to act fairly and reasonably towards them when entering into a conditional sale agreement with them. They’ve said that Moneybarn failed to disclose the commission it paid to the broker that int... (3 pages)View decision -
Decision Reference DRN-6229997
2 Apr 2026 Quidie Limited Not upheldConsumer CreditDRN-6229997 The complaint Mr D complains that Quidie Limited trading as Fernovo (“Quidie”) provided him with loans without carrying out sufficient affordability checks. What happened A summary of Mr D’s borrowing can be found below loan number loan amount number of instalments agreeme... (3 pages)View decision -
Decision Reference DRN-6237340
2 Apr 2026 FirstRand Bank Limited Not upheldConsumer CreditDRN-6237340 The complaint Mr J complains through a representative that FirstRand Bank Limited trading as Motonovo Finance (“Motonovo”) failed to undertake a proportionate affordability assessment before lending. Had better checks been made, Motonovo wouldn’t have lent to him. Although ... (3 pages)View decision -
Decision Reference DRN-6086503
2 Apr 2026 Santander UK Plc UpheldBanking and PaymentsDRN-6086503 Complaint Mr G has complained that Santander UK Plc (“Santander”) continued to allow him to use his overdraft over an extended period and even when he was in financial difficulty. Background Mr G was initially provided with an overdraft in February 2018. Since 2021 Mr G has... (4 pages)View decision -
Decision Reference DRN-6227424
2 Apr 2026 East End Fair Finance Limited UpheldConsumer CreditDRN-6227424 The complaint Mr J has complained that East End Fair Finance Limited trading as Fair Finance (“Fair Finance”) What happened Below is a summary of Mr J’s borrowing. loan number loan amount agreement date repayment date number of monthly instalments highest repayment per loa... (4 pages)View decision -
Decision Reference DRN-6220612
2 Apr 2026 Mercedes-Benz Financial Services UK Limited Not upheldConsumer CreditDRN-6220612 Complaint Mr F complains that Mercedes-Benz Financial Services UK Limited (trading as Mercedes- Benz Finance “MBFS”) unfairly entered into a hire purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable. Background In July 2019, M... (3 pages)View decision -
Decision Reference DRN-6258852
2 Apr 2026 Creation Consumer Finance Limited Not upheldConsumer CreditDRN-6258852 Complaint Mr A complains that Creation Consumer Finance Limited (“Creation”) irresponsibly provided him with an unaffordable loan. Background Creation provided Mr A with a loan for £9,000.00 in May 2025. This loan was due to be repaid in 60 monthly instalments of £197.82. ... (3 pages)View decision -
Decision Reference DRN-6226204
2 Apr 2026 Gain Credit LLC UpheldConsumer CreditDRN-6226204 The complaint Mrs O complaints that Gain Credit LLC trading as Drafty (“Drafty”) gave her a line of credit without carrying out sufficient affordability checks. What happened Mrs O was granted a running credit facility in June 2023 which had an £880 credit limit. Drafty inc... (4 pages)View decision -
Decision Reference DRN-6214095
2 Apr 2026 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-6214095 Complaint Mrs N complains that CA Auto Finance UK Ltd (then trading as “FCA Automotive” Services UK Ltd) unfairly entered into a hire-purchase agreement with her. She’s said that it wasn’t properly checked whether she could make the repayments to this agreement, which were u... (3 pages)View decision