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-6286123
20 Apr 2026 Black Horse Limited Not upheldConsumer CreditDRN-6286123 Complaint Mr F complains that Black Horse Limited (“Black Horse”) unfairly entered into a hire- purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable and so he shouldn’t have been lent to. Background In June 2021, Black Horse p... (3 pages)View decision -
Decision Reference DRN-6292047
20 Apr 2026 MONEYBARN NO.1 LIMITED Not upheldConsumer CreditDRN-6292047 Complaint Mr R complains that Moneybarn No.1 Limited (trading as “Moneybarn”) unfairly entered into a conditional sale agreement with him. He’s said proportionate checks weren’t carried out and he was provided with unaffordable finance. He’s said that Moneybarn failed to dis... (4 pages)View decision -
Decision Reference DRN-6291792
20 Apr 2026 Madison CF UK Limited Not upheldConsumer CreditDRN-6291792 Complaint Mr G has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that it ought to have known the loan was unaffordable bearing in mind his existing indebtedness and so shouldn’t have provided it to him. Background 118 1... (3 pages)View decision -
Decision Reference DRN-6285158
20 Apr 2026 MBNA Limited Not upheldConsumer CreditDRN-6285158 Complaint Miss M has complained about a loan MBNA Limited (trading as “MBNA”) provided to her. She says that the loan wasn’t affordable and so shouldn’t have been provided to her. Background MBNA provided Miss M with a loan for £8,000.00 in May 2025. This loan was due to be... (3 pages)View decision -
Decision Reference DRN-6253044
19 Apr 2026 Liverpool Victoria Insurance Company Limited Not upheldInsuranceDRN-6253044 The complaint Ms O has complained that Liverpool Victoria Insurance Company Limited (“LV”) didn’t fairly handle a claim made under her motor insurance policy. What happened In 2024, Ms O made a claim to LV after her vehicle hit the kerb. She said the two front seatbelts beca... (2 pages)View decision -
Decision Reference DRN-6283006
19 Apr 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6283006 The Complaint Mr D’s complaint is, in essence, that Clydesdale Financial Services Limited (trading as Barclays Partner Finance) (‘BPF’) acted unfairly and unreasonably by 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-5976191
18 Apr 2026 Santander UK Plc Not upheldBanking and PaymentsDRN-5976191 The complaint Mr S complains Santander UK Plc won’t refund all of the loss he incurred due to a scam. What happened The details of this complaint are well known to both parties, so what I’ve set out below is just a summary of the key events. Mr S thought he was dealing with ... (4 pages)View decision -
Decision Reference DRN-6285024
17 Apr 2026 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-6285024 The complaint Mr O complains about National Westminster Bank Public Limited Company (NatWest). He says that he has been the victim of a scam and would like NatWest to refund him the money he has lost. What happened Between August and September 2024, Mr O lent an acquaintan... (2 pages)View decision -
Decision Reference DRN-6285023
17 Apr 2026 MONZO BANK LIMITED Not upheldBanking and PaymentsDRN-6285023 The complaint Mr O complains about Monzo Bank Limited. He says that he has been the victim of a scam and would like Monzo to refund him the money he has lost. What happened In September 2024, Mr O lent an acquaintance £1,300 – but to date he has not been repaid his money d... (2 pages)View decision -
Decision Reference DRN-6268080
17 Apr 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6268080 The complaint Mrs B complains about Revolut Ltd. She says that she has been the victim of a scam and would like Revolut to refund her the money she has lost. What happened Mrs B rented a property off an estate agent I will refer to as ‘A’. She paid £4,302 across two transa... (3 pages)View decision