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 380824 results
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Decision Reference DRN-5643671
22 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5643671 The complaint Miss N complains that NewDay Ltd trading as Aqua (NewDay) shouldn’t have agreed to her opening a revolving credit facility (credit card account). And applying a subsequent credit limit increase as they should have seen the lending wasn’t affordable for her. In ... (4 pages)View decision -
Decision Reference DRN-5704782
22 Jul 2025 First Holiday Finance Ltd Not upheldConsumer CreditDRN-5704782 The complaint Mr and Mrs C’s complaint is, in essence, that First Holiday Finance Ltd (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 ... (13 pages)View decision -
Decision Reference DRN-5329802
22 Jul 2025 EGR WEALTH LIMITED UpheldInvestmentsDRN-5329802 The complaint Mr D complains that an appointed representative (AR) of EGR Wealth Limited (EGR) misled his into making an investment into a highly speculative mini bond. He says the AR gave his advice, even though he now knows it was not approved to do so, and EGR should be h... (11 pages)View decision -
Decision Reference DRN-5277292
22 Jul 2025 EGR WEALTH LIMITED UpheldInvestmentsDRN-5277292 The complaint Mrs D complains that an appointed representative (AR) of EGR Wealth Limited (EGR) misled her into making an investment into a highly speculative mini bond. She says the AR gave her advice, even though she now knows it was not approved to do so, and EGR should b... (11 pages)View decision -
Decision Reference DRN-5596196
22 Jul 2025 Northgate Vehicle Hire Limited Not upheldConsumer CreditDRN-5596196 The complaint Mr H complains that post hire charges for a car applied by Northgate Vehicle Hire Limited (Northgate) were unreasonable. He would like a fair assessment of the damage, proper communication of the charges and his deposit returned. What happened The details of t... (2 pages)View decision -
Decision Reference DRN-5442374
22 Jul 2025 Lendable Ltd Not upheldConsumer CreditDRN-5442374 The complaint Mr C complains through a third-party representative that Lendable Ltd provided him with credit when he was unable to afford it. Mr C says had proper checks been carried out, Lendable would have seen he couldn’t afford the credit and not lent to him. What happe... (3 pages)View decision -
Decision Reference DRN-5704105
22 Jul 2025 Madison CF UK Limited UpheldBanking and PaymentsDRN-5704105 The complaint Mr S complains that Madison CF UK Limited trading as 118 118 Money (‘118’) defaulted and assigned his credit card account when he had a payment plan with them. Mr S wants the default to be removed from his credit file and for 118 to bring the account back from... (4 pages)View decision -
Decision Reference DRN-5607833
22 Jul 2025 Lloyds Bank PLC Not upheldMortgagesDRN-5607833 The complaint Ms W complains that Lloyds Bank PLC is threatening to repossess her property which is subject to a buy to let mortgage, even though she’s a vulnerable customer. She’s also unhappy about the interest rate she’s been charged. What happened Ms W has a buy to let m... (3 pages)View decision -
Decision Reference DRN-5702279
22 Jul 2025 Revolut Ltd Not upheldBanking and PaymentsDRN-5702279 The complaint Mrs A complains that Revolut Ltd hasn’t refunded unauthorised transactions on her account. What happened In February 2024, Mrs A was contacted by an individual about an employment opportunity. Mrs A was told she needed to make some payments as part of this oppo... (4 pages)View decision -
Decision Reference DRN-5706510
22 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5706510 The complaint Mr C says NewDay Ltd trading as Aqua (‘NewDay’), irresponsibly lent to him. He says it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that his financial situation was poor when the card was started, and New... (4 pages)View decision
