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 375868 results
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Decision Reference DRN-5587755
8 Sep 2025 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-5587755 The complaint Mr H complains that the van he acquired financed through a hire purchase agreement with CA AUTO FINANCE UK LTD (“CAF”) wasn’t of satisfactory quality. What happened In April 2024 Mr H acquired a used van (distance sale) financed through a hire purchase agreemen... (4 pages)View decision -
Decision Reference DRN-5465135
8 Sep 2025 Black Horse Limited UpheldConsumer CreditDRN-5465135 The complaint Miss K complains that the car she acquired financed through a hire purchase agreement with Black Horse Limited, trading as Black Horse, wasn’t of satisfactory quality. What happened In February 2024 Miss K acquired a used car financed through a hire purchase ag... (4 pages)View decision -
Decision Reference DRN-5607129
8 Sep 2025 CA AUTO FINANCE UK LTD Not upheldConsumer CreditDRN-5607129 The complaint Ms U complains that the vehicle she acquired financed through a hire purchase agreement with CA AUTO FINANCE UK LTD (“CAA”) wasn’t of satisfactory quality. What happened Ms U acquired a used car financed through a hire purchase agreement with CAA she signed on ... (3 pages)View decision -
Decision Reference DRN-5793921
8 Sep 2025 Specialist Motor Finance Limited UpheldConsumer CreditDRN-5793921 The complaint Mr N complains that the car he acquired financed through a hire purchase agreement with Specialist Motor Finance Limited (“SMFL”) wasn’t of satisfactory quality. What happened Mr N acquired a used car financed through a hire purchase agreement he signed with SM... (6 pages)View decision -
Decision Reference DRN-5746162
8 Sep 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5746162 The complaint Mr L complains that Lloyds Bank PLC didn’t do enough to protect him when he fell victim to a cryptocurrency investment scam. What happened After seeing an advert on social media in August 2024, Mr L joined a cryptocurrency trading and investment WhatsApp group.... (2 pages)View decision -
Decision Reference DRN-5778035
8 Sep 2025 RRG Group Limited Not upheldConsumer CreditDRN-5778035 The complaint Mr T complains that a fixed sum loan agreement was mis-sold to him by RRG Group Limited, trading as RRG Toyota. His wife is also involved in his complaint. What happened Mr T traded in a car that he’d financed for a replacement car in January 2024 and he unders... (3 pages)View decision -
Decision Reference DRN-5775692
8 Sep 2025 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5775692 The complaint Mr A complains Lloyds Bank PLC allowed him to spend more money than he had. What happened Mr A made a card payment of over £600 on 31 March 2025. This payment adjusted Mr A’s available balance, and he couldn’t spend it. By 5 April 2025 the card payment still ... (2 pages)View decision -
Decision Reference DRN-5778033
8 Sep 2025 Lookers Motor Group Limited Not upheldConsumer CreditDRN-5778033 The complaint Mr T complains that a fixed sum loan agreement was mis-sold to him by Lookers Motor Group Limited. His wife is also involved in his complaint. What happened Mr T traded in a car for a replacement car in January 2024 using Lookers Motor Group as the dealer and h... (3 pages)View decision -
Decision Reference DRN-5660235
8 Sep 2025 Everyday Lending Limited Not upheldConsumer CreditDRN-5660235 The complaint Miss C complains that Everyday Lending Limited was irresponsible in its lending to her. What happened Miss C was provided with a £6,000 loan by Everyday Lending. The loan term was 48 months and Miss C was required to make monthly repayments of around £405. Miss... (3 pages)View decision -
Decision Reference DRN-5724888
8 Sep 2025 HSBC UK Bank Plc Not upheldBanking and PaymentsDRN-5724888 The complaint Mr D’s complaint is about HSBC UK Bank Plc, trading as first direct’s removal of the overdraft limit on his current account. What happened first direct removed Mr D’s arranged overdraft limit of £5,000 on 15 May 2024. On 3 July 2024 a transaction took Mr D’s ... (4 pages)View decision
