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 401363 results
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Decision Reference DRN-5743977
20 Oct 2025 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-5743977 Complaint Mr C 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 January 2029... (3 pages)View decision -
Decision Reference DRN-5776124
20 Oct 2025 PDL Finance Limited Not upheldConsumer CreditDRN-5776124 Complaint Miss H has complained about high-cost short-term credit (“HCSTC”) instalment loan she took out with PDL Finance Limited (trading as “Mr Lender”). She says she already had a significant amount of existing debt and relying heavily on credit. So this loan was unafford... (3 pages)View decision -
Decision Reference DRN-5704259
20 Oct 2025 Fairscore Ltd Not upheldConsumer CreditDRN-5704259 Complaint Miss E has complained about a personal loan Fairscore Ltd (trading as “Updraft”) which she says was unfairly lent to her. She says the loan was unaffordable as she already had a high amount of credit with high repayments and wasn’t able to take on more. Background... (3 pages)View decision -
Decision Reference DRN-5732471
20 Oct 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5732471 Complaint Miss B has complained about a credit card Clydesdale Bank Plc (trading as “Virgin Money”) provided to her. She says she shouldn’t have been provided with this credit card as she already had a lot of debt and this meant that this card was unaffordable. Background V... (3 pages)View decision -
Decision Reference DRN-5640353
20 Oct 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5640353 Complaint Mr M complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (3 pages)View decision -
Decision Reference DRN-5730213
20 Oct 2025 Capital One (Europe) plc Not upheldBanking and PaymentsDRN-5730213 Complaint Mr M has complained about credit cards Capital One (Europe) plc (“Capital One”) provided to him. He says that the credit cards and the subsequent limit increases shouldn’t have been provided as they were unaffordable for him and this caused ongoing financial diffic... (5 pages)View decision -
Decision Reference DRN-5738075
20 Oct 2025 Accredited Insurance (Europe) Ltd Not upheldInsuranceDRN-5738075 The complaint Mr and Mrs R complain about how Accredited Insurance (Europe) Ltd (AIEL) handled and settled a claim they made following theft from their home. What happened Mr and Mrs R purchased a policy of household insurance on 4 April 2024. Their policy commenced on 17 A... (4 pages)View decision -
Decision Reference DRN-5874423
20 Oct 2025 Bank of Scotland Plc Not upheldMortgagesDRN-5874423 The complaint Mr and Mrs M’s complaint relates to a buy-to-let mortgage they have with Bank of Scotland plc trading as Birmingham Midshires Mortgages (BMM). They believe that the mortgage was issued on a fraudulent basis as: • The valuation report produced in 2006 direct for... (4 pages)View decision -
Decision Reference DRN-5371889
19 Oct 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5371889 THE COMPLAINT Mrs N complains that Revolut Ltd (“Revolut”) will not reimburse her money she says she lost when she fell victim to a scam. Mrs N is represented by Mendelsons Limited in this matter. However, where appropriate, I will refer to Mrs N solely in this decision fo... (4 pages)View decision -
Decision Reference DRN-5887323
18 Oct 2025 Fairmead Insurance Limited UpheldInsuranceDRN-5887323 The complaint Mr and Mrs O have complained that FAIRMEAD INSURANCE LIMITED (“Fairmead”) unfairly declined a claim made under their property insurance policy. What happened In January 2024, Mr and Mrs O made a claim under their Residential Landlord Insurance Policy with Fairm... (4 pages)View decision