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-6201892
16 Mar 2026 Loans 2 Go Limited Not upheldConsumer CreditDRN-6201892 The complaint Mr G complains that Loans 2 Go Limited (“L2G”) irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In August 2024, Mr G applied for a £1,000 loan with L2G. The application was accepted and Mr G was required to pay 18 mon... (2 pages)View decision -
Decision Reference DRN-6192064
16 Mar 2026 Plata Finance Limited Not upheldConsumer CreditDRN-6192064 The complaint Mr T complains that Plata Finance Limited shouldn’t have lent to him as the lending was unaffordable. Mr T also says he didn’t understand the cost of the credit he was given and Plata used a misleading statement when he was told his loan was 100% pre-approved w... (3 pages)View decision -
Decision Reference DRN-6082426
16 Mar 2026 PROPEL HOLDINGS (UK) LIMITED Not upheldConsumer CreditDRN-6082426 The complaint Ms B complains that PROPEL HOLDINGS (UK) LIMITED trading as Quidmarket lent to her three times when she could not afford to repay them. Ms B says that it did not carry out the right checks. What happened Loan 1 was taken on 8 October 2024 and was for £300. This... (3 pages)View decision -
Decision Reference DRN-5992984
16 Mar 2026 Advantage Finance Limited Not upheldConsumer CreditDRN-5992984 The complaint Ms S complains that the car she acquired through ADVANTAGE FINANCE LIMITED (“Advantage”) wasn’t of satisfactory quality. She wants it to reimburse her for the repairs she’s paid for and compensate her for the stress and inconvenience it’s caused. Ms S is repre... (4 pages)View decision -
Decision Reference DRN-5833502
16 Mar 2026 Family Equity Plan Limited Not upheldInvestmentsDRN-5833502 The complaint Mrs B is making a complaint on behalf of her daughter, Miss B, about Family Equity Plan Limited (‘Onefamily’). She complains about the inaccurate and unclear advice she received from Onefamily when she called the business to ask what would happen when Miss B’s ... (5 pages)View decision -
Decision Reference DRN-6225414
16 Mar 2026 Shawbrook Bank Limited UpheldConsumer CreditDRN-6225414 The complaint Mr and Mrs K’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2)... (18 pages)View decision -
Decision Reference DRN-6223883
16 Mar 2026 Ageas Insurance Limited Not upheldInsuranceDRN-6223883 The complaint Mrs O complains about the way Ageas Insurance Limited (“Ageas”) investigated a claim and decided liability following a collision under her car insurance policy. What happened Mrs O had a car insurance policy with Ageas. She bought her policy via a broker. In Ap... (3 pages)View decision -
Decision Reference DRN-6224945
16 Mar 2026 Starling Bank Limited Not upheldBanking and PaymentsDRN-6224945 The complaint T complains that Starling Bank Limited (‘Starling’) hasn’t refunded the money it believes it lost to an authorised push payment (‘APP’) investment scam. T is a limited company. The complaint was referred on its behalf by a director of T, whom I’ll refer to as ... (3 pages)View decision -
Decision Reference DRN-6169719
16 Mar 2026 Plata Finance Limited Not upheldConsumer CreditDRN-6169719 The complaint Mr P complains that Plata Finance Limited (“Plata”) provided credit to him irresponsibly and that this credit was unaffordable. What happened In June 2023 Mr P received a loan from Plata. It was for £20,000; for a 60-month term; with an APR of 29.7%; and with ... (3 pages)View decision -
Decision Reference DRN-6179386
16 Mar 2026 Fairscore Ltd UpheldConsumer CreditDRN-6179386 The complaint Miss F complains that Fairscore Ltd trading as Updraft irresponsibly lent to her. Miss F said the credit shouldn’t have been given to her. What happened Updraft approved three loans for Miss F between May 2023 and July 2024. The details of the loans are as fol... (3 pages)View decision