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 323 results
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Decision Reference DRN-5717089
25 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5717089 The complaint Mr D complains about a balance owed under a hire purchase agreement with Advantage Finance Ltd. Throughout his complaint, a third party has represented Mr D. But for ease, I’ll just refer to Mr D. What happened In April 2022, Mr D took out a hire purchase agree... (4 pages)View decision -
Decision Reference DRN-5781911
23 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5781911 The complaint Mrs D complains about the quality of a car that was supplied through a hire purchase agreement with Advantage Finance Ltd (AFL). What happened In March 2024, Mrs D acquired a used car through a hie purchase agreement with AFL. The car was about eight years old ... (4 pages)View decision -
Decision Reference DRN-5605979
22 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5605979 The complaint Mrs B complains that a car that was supplied to her under a hire purchase agreement with Advantage Finance Limited wasn’t of satisfactory quality. What happened A used car was supplied to Mrs B under a hire purchase agreement with Advantage Finance that she ele... (3 pages)View decision -
Decision Reference DRN-5779208
5 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5779208 The complaint Miss R complains about the information that Advantage Finance Limited has reported to the credit reference agencies about a hire purchase agreement under which a car was supplied to her. What happened A used car was supplied to Miss R under a hire purchase agre... (3 pages)View decision -
Decision Reference DRN-5457106
3 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5457106 The complaint Mr F says that Advantage Finance Ltd (‘Advantage’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards a hire purchase agreement to purchase a car. And he needed to borrow further to pay his ... (4 pages)View decision -
Decision Reference DRN-5701774
3 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5701774 Complaint Mr R complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable which caused him ongoing difficulty. Background In June 2015, Advantage Finance provided Mr R with... (5 pages)View decision -
Decision Reference DRN-5515976
1 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5515976 Complaint Mr S complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the finance was unaffordable which caused him ongoing difficulty. Background In October 2017, Advantage Finance provided Mr S w... (5 pages)View decision -
Decision Reference DRN-5613524
1 Sep 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5613524 Complaint Mr B complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (3 pages)View decision -
Decision Reference DRN-5469578
26 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5469578 Complaint Mr G complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with him. He’s said that the monthly payments to this agreement were unaffordable given his circumstances at the time and so he shouldn’t have been lent ... (3 pages)View decision -
Decision Reference DRN-5619499
26 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5619499 Complaint Mrs P complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with her. She’s said that the finance that was unaffordable and this caused ongoing difficulty going forward. Background In June 2016, Advantage Financ... (5 pages)View decision
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