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
-
Decision Reference DRN-6231336
18 Mar 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6231336 The complaint Mr T’s complaint is, in essence, that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit Act 1974 ... (10 pages)View decision -
Decision Reference DRN-6152766
18 Mar 2026 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-6152766 The complaint Mr H complains about the quality of a vehicle that was supplied through a motor finance agreement with CA AUTO FINANCE UK LTD (CAF). What happened In November 2024, Mr H acquired a used car through a hire purchase agreement with CAF. The car was around ten year... (4 pages)View decision -
Decision Reference DRN-6232626
18 Mar 2026 J.P. Morgan Europe Limited UpheldBanking and PaymentsDRN-6232626 The complaint Mrs H complains that J.P. Morgan Europe Limited, trading as Chase, wouldn’t allow her to make a large purchase on her credit card which effectively forced her to make the purchase using her debit card, to her financial detriment. What happened In July 2025, Mr... (4 pages)View decision -
Decision Reference DRN-6104006
18 Mar 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-6104006 The complaint Mr D is unhappy with the way AMERICAN EXPRESS SERVICES EUROPE LIMITED (Amex) administered his credit card account. What happened The parties are familiar with the background of this complaint, so I will summarise it briefly here, which reflects my informal remi... (3 pages)View decision -
Decision Reference DRN-6225162
18 Mar 2026 Everyday Lending Limited UpheldConsumer CreditDRN-6225162 The complaint Mr B complains that Everyday Lending Limited trading as Evlo acted unfairly when he exercised his right to withdraw from his loan agreement. What happened Mr B entered into a fixed loan agreement with Evlo on 16 April 2024, the loan was for £5,000 with 24 mont... (3 pages)View decision -
Decision Reference DRN-6017736
18 Mar 2026 Madison CF UK Limited Not upheldConsumer CreditDRN-6017736 The complaint Mr W complains that Madison CF UK Limited trading as 118 118 Money should not have given him a personal loan in December 2024. He says he was already in his overdraft a lot, had several other debts, and was struggling with gambling. He says the lender relied on... (2 pages)View decision -
Decision Reference DRN-6158137
18 Mar 2026 Wise Payments Limited Not upheldBanking and PaymentsDRN-6158137 The complaint Ms L complains that Wise Payments Limited (‘Wise’) won’t refund the money she lost after falling victim to a scam. What happened In 2025, Ms L met someone through a dating app. I’ll refer to this person as D. D said he worked for a bank as a cryptocurrency ana... (3 pages)View decision -
Decision Reference DRN-6132629
18 Mar 2026 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-6132629 The complaint Ms H complains that Barclays Bank UK Plc (‘Barclays’) won’t refund the money she lost when she fell victim to a scam. What happened In April 2024 Ms H was looking online for a part time job to increase her income. She saw an advert on a social media site promo... (8 pages)View decision -
Decision Reference DRN-6158141
18 Mar 2026 Monzo Bank Ltd UpheldBanking and PaymentsDRN-6158141 The complaint Ms L complains that Monzo Bank Ltd (‘Monzo’) won’t refund the money she lost after falling victim to a scam. What happened In 2025, Ms L met someone through a dating app. I’ll refer to this person as D. D said he worked for a bank as a cryptocurrency analyst a... (4 pages)View decision -
Decision Reference DRN-6232521
18 Mar 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-6232521 The complaint Mr and Mrs B’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’). What happe... (9 pages)View decision