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 313 results
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Decision Reference DRN-5718694
19 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5718694 The complaint With the help of a professional representative (PR), Mr S complains that Advantage Finance Ltd lent to him irresponsibly. For ease, I’ll mainly refer to the actions of the PR as being those of Mr S. What happened On 22 June 2019, Mr S entered into a Hire Purcha... (3 pages)View decision -
Decision Reference DRN-5398134
19 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5398134 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-5698538
19 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5698538 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 ... (4 pages)View decision -
Decision Reference DRN-5511473
14 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5511473 The complaint Ms M complains about the quality of a car she acquired under a hire purchase agreement with Advantage Finance Ltd (AF). When I refer to what Ms M and/or AF said or did, it should also be taken to include things said or done on their behalf. What happened In A... (4 pages)View decision -
Decision Reference DRN-5442309
13 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5442309 The complaint Mr P complains about the quality of a used car he acquired through a hire purchase agreement with Advantage Finance Ltd (‘Advantage’). Mr P says that he had problems with the car going into limp mode shortly after he acquired it. He says Advantage has ignored t... (4 pages)View decision -
Decision Reference DRN-5693507
12 Aug 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5693507 The complaint With the help of a professional representative (PR), Mr B complains that Advantage Finance Ltd lent to him irresponsibly. For ease, I’ll refer mainly to the actions of the PR as being those of Mr B. What happened Mr B has had two Hire Purchase agreements (HP) w... (4 pages)View decision -
Decision Reference DRN-5441210
31 Jul 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5441210 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-5375706
30 Jul 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5375706 The complaint Mr R complains that Advantage Finance Ltd lent to him irresponsibly and without carrying out proper affordability checks. What happened In September 2022 Advantage approved a Hire Purchase agreement for Mr R to enable him to buy a car. It lent him £6,495, which... (2 pages)View decision -
Decision Reference DRN-5543013
28 Jul 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5543013 Complaint Mr L 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-5546291
14 Jul 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5546291 The complaint Mr W complains that a car he acquired through a hire purchase agreement with Advantage Finance Ltd (Advantage) wasn’t of satisfactory quality. Initially, Mr W wanted the car repaired but as the car has now been returned, I understand he would like compensation ... (2 pages)View decision
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