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 375868 results
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Decision Reference DRN-5753593
26 Aug 2025 Vodafone Limited Not upheldConsumer CreditDRN-5753593 Complaint Mrs D has complained about loans Vodafone Limited (“Vodafone”) provided to her. She says that she shouldn’t have been provided with so many agreements and that it was irresponsible for Vodafone to do so when her credit score was poor. Background Vodafone entered i... (3 pages)View decision -
Decision Reference DRN-5574140
26 Aug 2025 Moneybarn No. 1 Limited Not upheldConsumer CreditDRN-5574140 Complaint Mr L 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 September 20... (3 pages)View decision -
Decision Reference DRN-5599278
26 Aug 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5599278 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... (4 pages)View decision -
Decision Reference DRN-5762977
26 Aug 2025 Santander Consumer (UK) Plc Not upheldConsumer CreditDRN-5762977 Complaint Mr W complains that Santander Consumer (UK) Plc (trading as Santander Consumer Finance (“Santander CF”)) unfairly provided him with a loan. He’s said that the loan was unaffordable for him and his struggle to make his repayments caused him ongoing financial strain.... (4 pages)View decision -
Decision Reference DRN-5751983
26 Aug 2025 Next Retail Limited Not upheldConsumer CreditDRN-5751983 Complaint Mrs C has complained that Next Retail Limited (trading as “Next” Online) irresponsibly provided her with a catalogue shopping account and credit limit increases. She’s said that this credit was unaffordable for her and it resulted in her experiencing ongoing diffic... (6 pages)View decision -
Decision Reference DRN-5456460
26 Aug 2025 Home Credit Limited Not upheldConsumer CreditDRN-5456460 The complaint Mr M complains that Home Credit Limited lent to him irresponsibly by not doing enough checks to discover that he was not able to afford the loans. What happened Mr M took three loans with Home Credit and the table here gives a summary of the lending. Loan Appro... (3 pages)View decision -
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
