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 301 results
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Decision Reference DRN-5469539
20 Jun 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5469539 The complaint Mr K complains that Advantage Finance Ltd irresponsibly provided him with an unaffordable hire purchase agreement. Mr K’s complaint has been brought to us by a professional representative, but for ease I’ll refer to all submissions as though they are his own. ... (4 pages)View decision -
Decision Reference DRN-5289133
19 Jun 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5289133 The complaint Mr B complains Advantage Finance Ltd provided him with an unaffordable credit agreement. What happened Advantage Finance provided Mr B with a hire purchase agreement in May 2018. The capital amount lent was around £9,300 with a total repayable value, including ... (5 pages)View decision -
Decision Reference DRN-5621849
12 Jun 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5621849 The complaint Miss O complains about a car supplied under a hire purchase agreement, provided by Advantage Finance Ltd (‘AFL’). What happened Around May 2024 Miss O acquired a used car under a hire purchase agreement with AFL. The car is listed with a cash price of £6,995 on... (8 pages)View decision -
Decision Reference DRN-5094520
10 Jun 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5094520 The complaint Mr J complains about the quality of a car he has financed through an agreement with Advantage Finance Ltd (‘Advantage’). What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on giving... (2 pages)View decision -
Decision Reference DRN-5596808
10 Jun 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5596808 The complaint Mr T complains about the quality of a used car he acquired through a hire purchase agreement with Advantage Finance Ltd (‘Advantage’). Mr T says that he bought a car that was faulty and was mis-sold to him. He is unhappy about the customer service he has receiv... (5 pages)View decision -
Decision Reference DRN-5574685
9 Jun 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5574685 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-5476534
3 Jun 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5476534 The complaint Miss F complains through her representative that the finance monies Advantage Finance advanced her through a hire purchase agreement to obtain a car in June 2018 ought not to have been advanced. She says that she could not afford it. Miss F also complains that... (3 pages)View decision -
Decision Reference DRN-5431563
29 May 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5431563 The complaint Mr G complains about the quality of a car he has financed through an agreement with Advantage Finance Ltd (‘Advantage’). What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll focus on giving... (3 pages)View decision -
Decision Reference DRN-5312206
9 May 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5312206 The complaint Mr G complains about the quality of a car Advantage Finance Ltd supplied to him under a hire purchase agreement. What happened The facts of this case are familiar to both sides, so I don’t intend to repeat them again in detail here. Instead, I’ll provide a sum... (4 pages)View decision -
Decision Reference DRN-5357349
24 Apr 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5357349 The complaint Mr R complains that a car that was supplied to him under a hire purchase agreement with Advantage Finance Limited wasn’t of satisfactory quality. What happened A used car was supplied to Mr R under a hire purchase agreement with Advantage Finance that he electr... (3 pages)View decision
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