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-5501580
26 Aug 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5501580 Complaint Mr C has complained about high-cost short-term credit instalment loans he took out with Evergreen Finance London Limited (trading as “Moneyboat”.co.uk). He says that these loans were unaffordable and so shouldn’t have been provided to him. Background This complain... (3 pages)View decision -
Decision Reference DRN-5571371
26 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5571371 Complaint Mr R complains that Moneybarn No.1 Limited (“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 May 2021, Moneybarn pro... (4 pages)View decision -
Decision Reference DRN-5669200
26 Aug 2025 FIRST RESPONSE FINANCE LIMITED Not upheldConsumer CreditDRN-5669200 Complaint Miss K complains that First Response Finance Limited (“First Response”) unfairly entered into a hire-purchase agreement with her. She’s said the monthly payments to the agreement were unaffordable and so she shouldn’t have been accepted for it. Background In May 2... (3 pages)View decision -
Decision Reference DRN-5619499
26 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5619499 Complaint Mrs P complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with her. She’s said that the finance that was unaffordable and this caused ongoing difficulty going forward. Background In June 2016, Advantage Financ... (5 pages)View decision -
Decision Reference DRN-5619441
26 Aug 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5619441 Complaint Mrs L complains that Oodle Financial Services Limited (trading as “Oodle” Car Finance) 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 unafforda... (3 pages)View decision -
Decision Reference DRN-5468700
26 Aug 2025 Western Circle Ltd Not upheldConsumer CreditDRN-5468700 The complaint Mr W, through his representative, complains that Western Circle Ltd trading as Cashfloat lent to him irresponsibly. What happened This table gives a brief summary of the lending Western Circle approved for Mr W. Loan Approved Amount Terms Status 1 2 July 2024 £... (3 pages)View decision -
Decision Reference DRN-5423367
25 Aug 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5423367 The complaint Mrs W complains that Revolut Ltd hasn’t protected her from losing money to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Mrs W has explained that in June 2024 she made ... (2 pages)View decision -
Decision Reference DRN-5423362
25 Aug 2025 J.P. Morgan Europe Limited Not upheldBanking and PaymentsDRN-5423362 The complaint Mrs W complains that J.P. Morgan Europe Limited trading as Chase (“Chase”) hasn’t protected her from losing money to a scam. What happened The background to this complaint is well known to both parties, so I won’t repeat everything here. In brief summary, Mrs W... (2 pages)View decision -
Decision Reference DRN-5641185
25 Aug 2025 Black Horse Limited UpheldConsumer CreditDRN-5641185 The complaint Mr S complains about the quality of a car he has been financing through an agreement with Black Horse Limited (Black Horse), trading as Land Rover Financial Services. What happened The detailed background to this complaint is well known to both parties. So, I’l... (2 pages)View decision -
Decision Reference DRN-5568139
25 Aug 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5568139 The complaint Mr M complains that Lloyds Bank PLC won’t refund the money he lost when he fell victim to an investment scam. Mr M is represented in this complaint, but I’ll refer to him as it is his complaint. What happened The detailed background to this complaint is well k... (8 pages)View decision