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-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 -
Decision Reference DRN-5616213
25 Aug 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5616213 The complaint Mr S complains that Barclays Bank UK PLC won’t refund the money he lost when he fell victim to a job scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events h... (5 pages)View decision -
Decision Reference DRN-5718129
24 Aug 2025 Aviva Insurance Limited UpheldInsuranceDRN-5718129 The complaint Mr S complains that Aviva Insurance Limited (“Aviva”) hasn’t fairly settled the two escape of water claims he made under his Property Owners Policy. What happened Mr S holds a Property Owners Policy with Aviva, for a property he rents out. Having made two claim... (3 pages)View decision -
Decision Reference DRN-5521268
24 Aug 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5521268 The complaint Mr C complains that Oodle Financial Services Limited, trading as Oodle Car Finance, has terminated the hire purchase agreement under which a car was supplied to him and has repossessed the car. What happened A used car was supplied to Mr C under a hire purchase... (3 pages)View decision -
Decision Reference DRN-5745410
24 Aug 2025 Mercedes-Benz Financial Services UK Limited Not upheldConsumer CreditDRN-5745410 The complaint Mr M complains about charges he has been asked to pay by Mercedes-Benz Financial Services UK Limited (‘MBFS’) since he returned a car he was financing through an agreement with them. What happened The detailed background to this complaint is well known to both... (2 pages)View decision
