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 286 results
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Decision Reference DRN-5345426
7 Mar 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5345426 Complaint Mr T 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-5373900
5 Mar 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5373900 The complaint Mr Z complains about the quality of a car supplied on finance by Advantage Finance Ltd (‘AF’). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes w... (10 pages)View decision -
Decision Reference DRN-5299541
28 Feb 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5299541 The complaint Mr H complains that Advantage Finance Ltd (“Advantage”) gave him a hire purchase agreement without carrying out any checks into his income and monthly expenditure. Had better checks been made Advantage would’ve realised he was in financial difficulties. What h... (4 pages)View decision -
Decision Reference DRN-4844573
25 Feb 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-4844573 The complaint Mr N complains about a car supplied to him using a hire purchase agreement taken out with Advantage Finance Ltd (“Advantage”). What happened In June 2023, Mr N acquired a used car using a hire purchase agreement with Advantage. The car was around six years old... (5 pages)View decision -
Decision Reference DRN-5299026
20 Feb 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5299026 The complaint Mr M complains through a representative that Advantage Finance Ltd (“Advantage”) gave him a hire purchase agreement without carrying out adequate affordability checks. What happened In December 2019, Advantage provided Mr M with a hire purchase agreement for a... (4 pages)View decision -
Decision Reference DRN-5305255
19 Feb 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5305255 Complaint Mr R 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-5236995
7 Feb 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5236995 The complaint Miss J complains through a representative that Advantage Finance Ltd (“Advantage”) gave her a hire purchase agreement without carrying out a sufficient affordability assessment. What happened In September 2019, Advantage provided Miss J with a hire purchase ag... (5 pages)View decision -
Decision Reference DRN-4876026
5 Feb 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-4876026 The complaint Mr V complains that a car acquired under a hire purchase (HP) agreement with Advantage Finance Ltd (‘Advantage’) wasn’t of satisfactory quality. What happened In July 2023 Mr V was supplied with a used car through a HP agreement with Advantage. The car was abou... (3 pages)View decision -
Decision Reference DRN-5153741
31 Jan 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5153741 Complaint Miss S has complained about the quality of a car that Advantage Finance Ltd (“Advantage Finance”) supplied to her through a hire-purchase agreement. Background Miss S appears to have raised concerns over the affordability of the agreement and whether Advantage Fin... (9 pages)View decision -
Decision Reference DRN-5262428
24 Jan 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5262428 The complaint Mrs G complains through a representative that Advantage Finance Ltd (“Advantage”) gave her a hire purchase agreement without carrying out adequate affordability checks. What happened In July 2019, Advantage provided Mrs G with a hire purchase agreement for a u... (3 pages)View decision
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