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 381196 results
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Decision Reference DRN-5826747
7 Oct 2025 Blue Motor Finance Ltd Not upheldConsumer CreditDRN-5826747 Complaint Ms H complains that Blue Motor Finance Ltd (“BMF”) 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 November 2021, BMF provide... (3 pages)View decision -
Decision Reference DRN-5798574
7 Oct 2025 Black Horse Limited Not upheldConsumer CreditDRN-5798574 Complaint Mr B complains that Black Horse Limited (“Black Horse”) unfairly entered into a hire- purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so he shouldn’t have been lent to. Background In July 2019, Black Horse p... (3 pages)View decision -
Decision Reference DRN-5793475
7 Oct 2025 Shop Direct Finance Company Limited UpheldConsumer CreditDRN-5793475 Complaint Mr B has complained that Shop Direct Finance Company Limited (“Shop Direct”) irresponsibly provided him with a catalogue shopping accounts and limit increase. He’s said that that this caused financial difficulty and resulted in him having to take out a lot of other... (6 pages)View decision -
Decision Reference DRN-5845864
7 Oct 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5845864 Complaint Mrs I has complained about the overdraft charges Nationwide Building Society (“Nationwide”) applied to her current account. Mrs I is being represented, by the (“representative”), in her complaint. The representative has said the charges applied to Mrs I’s account ... (6 pages)View decision -
Decision Reference DRN-5829083
7 Oct 2025 JAJA FINANCE LTD Not upheldBanking and PaymentsDRN-5829083 Complaint Mr K has complained about a credit card Jaja Finance Ltd (“Jaja”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In December 2024, Jaja provided Mr K with a credit card which had... (3 pages)View decision -
Decision Reference DRN-5821133
7 Oct 2025 Nationwide Building Society Not upheldBanking and PaymentsDRN-5821133 Complaint Ms L has complained that Nationwide Building Society (“Nationwide”) irresponsibly provided a credit card as well as a subsequent credit limit increase to her. She says that this credit was unaffordable and she had to borrow elsewhere in order to make her payments. ... (8 pages)View decision -
Decision Reference DRN-5778706
7 Oct 2025 Bank of Scotland Plc Not upheldBanking and PaymentsDRN-5778706 Complaint Mr and Mrs H have complained about the overdraft charges Bank of Scotland Plc (trading as “Halifax”) applied to their current account. Mr and Mrs H are being represented, by the (“representative”), in their complaint. The representative has said the charges appli... (6 pages)View decision -
Decision Reference DRN-5677710
7 Oct 2025 Oodle Financial Services Limited Not upheldConsumer CreditDRN-5677710 Complaint Ms H 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 unaffordab... (3 pages)View decision -
Decision Reference DRN-5715344
7 Oct 2025 Admiral Insurance (Gibraltar) Limited UpheldInsuranceDRN-5715344 The complaint Mr G complains about Admiral Insurance (Gibraltar) Limited (“AIL”) and the way they and their agents handled the claim he made on the breakdown cover included within his motor insurance policy. What happened The claim and complaint circumstances are well known ... (4 pages)View decision -
Decision Reference DRN-5854929
7 Oct 2025 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-5854929 Complaint Mr M has complained about credit cards Clydesdale Bank Plc (trading as “Virgin Money”) provided to him. He says his financial situation was not considered adequately and this resulted in him being issued with credit cards which he couldn’t afford the repayments for... (3 pages)View decision
