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 373834 results
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Decision Reference DRN-5482960
26 Aug 2025 FIRST RESPONSE FINANCE LIMITED Not upheldConsumer CreditDRN-5482960 The complaint With the help of a professional representative (PR), Mr D complains that First Response Finance Limited (FRFL) lent to him irresponsibly. For ease, I’ll refer to the PR’s actions as being those of Mr D. What happened Mr D has two Hire Purchase agreements (HP) w... (3 pages)View decision -
Decision Reference DRN-5534265
26 Aug 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5534265 The complaint Mr C complains that Everyday Lending Limited trading as Everyday Loans was irresponsible in its lending to him. What happened Mr C was provided with a loan for £7,500 by Everyday Loans in August 2022. The loan term was 60 months and Mr C was required to make mo... (3 pages)View decision -
Decision Reference DRN-5451525
26 Aug 2025 Adrian Flux Insurance Services Group Not upheldInsuranceDRN-5451525 The complaint Mrs R complains that Adrian Flux Insurance Services Group (AFI) failed to provide her clear information about her commercial buildings policy when it was arranged. The lack of clear information led to Mrs R being distressed about whether the policy would start ... (3 pages)View decision -
Decision Reference DRN-5469578
26 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5469578 Complaint Mr G 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-5515125
26 Aug 2025 Evergreen Finance London Limited Not upheldConsumer CreditDRN-5515125 Complaint Mr B is unhappy Evergreen Finance London Limited (trading as “Moneyboat”.co.uk) provided him with a high-cost short-term credit instalment loan. He says the loan was irresponsibly provided given his existing circumstances. Background This complaint centres around ... (3 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-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
