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 393318 results
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Decision Reference DRN-6118228
19 Feb 2026 Startline Motor Finance Limited UpheldConsumer CreditDRN-6118228 The complaint Mr R complains that a car that was supplied to him under a hire purchase agreement with Startline Motor Finance Limited wasn’t of satisfactory quality. What happened A used car was supplied to Mr R under a hire purchase agreement with Startline Motor Finance th... (4 pages)View decision -
Decision Reference DRN-6043611
19 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6043611 The complaint Mr B’s complaint is, in essence, that Mitsubishi HC Capital UK Plc (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 (as amended) (the ‘CCA’) and (2) de... (12 pages)View decision -
Decision Reference DRN-6167960
19 Feb 2026 Wise Payments Limited UpheldBanking and PaymentsDRN-6167960 The complaint Mr L complains that Wise Payments Limited won’t refund the money he lost to an investment scam. Mr L is represented in this complaint, but I’ll refer to him as it’s his complaint. What happened The detailed background to this complaint is well known to both pa... (7 pages)View decision -
Decision Reference DRN-6167767
19 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6167767 The complaint Mr M’s complaint is, in essence, that Mitsubishi HC Capital UK Plc (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 (as amended) (the ‘CCA’) and (2) de... (15 pages)View decision -
Decision Reference DRN-6167931
19 Feb 2026 Barclays Bank UK PLC Not upheldMortgagesDRN-6167931 The complaint Mr and Mrs H complain that Barclays Bank UK PLC incorrectly told them they could buy and renovate a property and then port their mortgage product to it. It’s now told them this isn’t possible. Mr and Mrs H say they will incur an early repayment charge (ERC) and... (4 pages)View decision -
Decision Reference DRN-6149461
19 Feb 2026 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-6149461 The complaint Mr D complains about the service that he’s received from Volkswagen Financial Services (UK) Limited, trading as Audi Financial Services, in relation to a debt that he owes arising from a hire purchase agreement under which a car was supplied to him. His friend ... (2 pages)View decision -
Decision Reference DRN-5517060
19 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-5517060 The complaint Mr M’s complaint is, in essence, that Mitsubishi HC Capital UK PLC (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 (as amended) (the ‘CCA’) and (2) de... (9 pages)View decision -
Decision Reference DRN-6167930
19 Feb 2026 Zurich Insurance Company Ltd UpheldInsuranceDRN-6167930 The complaint Mr K and Ms M complains that Zurich Insurance Company Ltd have declined their claim and voided the policy following their claim for accidental damage. What happened Mr K and Ms M took out a buildings and contents policy with Zurich in October 2023. They made a... (4 pages)View decision -
Decision Reference DRN-6165565
19 Feb 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-6165565 The complaint Ms B’s complaint is, in essence, that Mitsubishi HC Capital UK Plc trading as Novuna (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credit Act 1974 (as amended) (th... (8 pages)View decision -
Decision Reference DRN-6167932
19 Feb 2026 Oakleafe Group Limited UpheldInsuranceDRN-6167932 The complaint Mr and Mrs C complain about the service provided by Oakleafe Group Limited after they instructed it to assist them with a claim they made under their home insurance policy. As most of the communication regarding the claim and complaint has been from Mr C, I’ll ... (6 pages)View decision