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 365360 results
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Decision Reference DRN-5278605
9 May 2025 Startline Motor Finance Limited Not upheldConsumer CreditDRN-5278605 The complaint Mrs M complains about a car supplied under a hire purchase agreement, provided by STARTLINE MOTOR FINANCE LIMITED (‘SMF’). What happened Around August 2022 Mrs M acquired a used car under a hire purchase agreement with SMF. The car is listed with a cash price ... (5 pages)View decision -
Decision Reference DRN-5513198
9 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5513198 The complaint Mrs A complains that NewDay Ltd trading as Marbles was irresponsible in its lending to her. She wants all interest and charges applied to her credit card account from the first credit limit increase refunded along with statutory interest. She also wants any adv... (4 pages)View decision -
Decision Reference DRN-5450020
9 May 2025 ZILCH TECHNOLOGY LIMITED Not upheldConsumer CreditDRN-5450020 Complaint Mr M has complained about a credit account Zilch Technology Limited (trading as “Zilch”) provided to him. He says the credit account was unaffordable and proportionate checks would have shown that he shouldn’t have been lent to. Background Zilch provided Mr M with... (3 pages)View decision -
Decision Reference DRN-5474180
9 May 2025 Specialist Motor Finance Limited Not upheldConsumer CreditDRN-5474180 Complaint Miss O complains that Specialist Motor Finance Limited (“SMF”) 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 2022, SMF... (3 pages)View decision -
Decision Reference DRN-5501206
9 May 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5501206 Complaint Mrs C 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 thoroughly checked whether she could make the repayments to this agreement and the payments we... (3 pages)View decision -
Decision Reference DRN-5494165
9 May 2025 Vodafone Limited Not upheldConsumer CreditDRN-5494165 The complaint Miss M has complained about the way Vodafone Limited administered a fixed sum loan agreement she’d taken out to buy a phone. What happened The circumstances are well known to the parties, so I won’t go over everything again in detail. But to summarise, Miss M ... (4 pages)View decision -
Decision Reference DRN-5393648
9 May 2025 Revolut Ltd UpheldBanking and PaymentsDRN-5393648 The complaint Mr A is unhappy that Revolut Ltd won’t refund money he lost to a scam. Mr A has brought his complaint with the help of a professional representative. For ease, I’ll refer to all their submissions as being from Mr A. What happened Mr A says he was added to a soc... (15 pages)View decision -
Decision Reference DRN-5235976
9 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5235976 The complaint With the help of a professional representative (PR), Mr D complains that Vanquis Bank Limited lent to him irresponsibly. For ease, I’ll refer to the PR’s actions as being those of Mr D. What happened On 15 August 2014, Mr D applied for – and received – a credit... (4 pages)View decision -
Decision Reference DRN-5371193
9 May 2025 Crowdcube Capital Limited Not upheldInvestmentsDRN-5371193 The complaint Mr G’s complaint is about the way Crowdcube Capital Limited presented an investment opportunity on its crowdfunding platform. He feels information about the company he invested in was inaccurate and the company has failed to deliver on the promised investor rew... (5 pages)View decision -
Decision Reference DRN-5015516
9 May 2025 Frasers Group Financial Services Limited UpheldConsumer CreditDRN-5015516 The complaint Mr K complains that Frasers Group Financial Services Limited trading as Studio, is holding him liable for a debt in relation to a credit agreement he says he didn’t take out. What happened In October 2023, Mr K met a third party, who I’ll call ‘A’, on an online... (6 pages)View decision
