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 342 results
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Decision Reference DRN-5655387
19 Nov 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5655387 The complaint Mrs M complains about a fraud marker that was reported in relation to a finance agreement with Advantage Finance Limited. What happened As both parties are familiar with the circumstances of this complaint, I’ve summarised them briefly below. Advantage suppli... (4 pages)View decision -
Decision Reference DRN-5936400
17 Nov 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5936400 Complaint Mr V 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 February 2016, Advantage Finance provided Mr V ... (5 pages)View decision -
Decision Reference DRN-5875734
14 Nov 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5875734 The complaint Mr S complains about the quality of a car supplied to him by Advantage Finance Ltd (“Advantage”). What happened Mr S acquired a used car through a hire purchase agreement with Advantage in May 2024. The car was around seven years old when supplied and had cover... (3 pages)View decision -
Decision Reference DRN-5947900
13 Nov 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5947900 The complaint Mr M is unhappy that Advantage Finance Ltd are reporting adverse information to the credit reference agencies in relation to a car they supplied to him under a hire purchase agreement. What happened In November 2018, Mr M was supplied with a used car through a... (4 pages)View decision -
Decision Reference DRN-5921487
10 Nov 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5921487 The complaint Ms W complains through a representative that Advantage Finance Ltd (“Advantage”) gave her a hire purchase agreement What happened Ms W’s original complaint also concerned another finance agreement taken out in 2015 with Advantage but that has been looked at se... (3 pages)View decision -
Decision Reference DRN-5729491
7 Nov 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5729491 The complaint Mr S complains that Advantage Finance Ltd provided him with an unaffordable regulated hire purchase agreement. What happened In June 2022 Advantage Finance provided Mr S with a hire purchase agreement for a car with a cash price of around £5,990. Mr S paid a de... (4 pages)View decision -
Decision Reference DRN-5793356
7 Nov 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5793356 The complaint Mrs C and Mr C complain that a car acquired under a hire purchase agreement with Advantage Finance Limited (“Advantage”) wasn’t of satisfactory quality when it was supplied to them. Mrs C and Mr C are joint holders of the agreement, but for ease of reading I w... (4 pages)View decision -
Decision Reference DRN-5922234
6 Nov 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5922234 The complaint Mr M has complained that a car provided on finance by Advantage Finance Ltd was not of satisfactory quality or as described. What happened Both Mr M and Advantage are familiar with the events, so I’ll briefly summarise them here. Advantage supplied Mr M with a... (7 pages)View decision -
Decision Reference DRN-5857336
4 Nov 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5857336 The complaint Mr S is unhappy that a car supplied to him under a hire purchase agreement with Advantage Finance Limited was of an unsatisfactory quality. What happened In May 2024, Mr S was supplied with a used car through a hire purchase agreement with Advantage. The agree... (3 pages)View decision -
Decision Reference DRN-5680468
28 Oct 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5680468 The complaint Mr E complains that a car acquired under a hire purchase agreement with Advantage Finance Ltd (“Advantage”) wasn’t of satisfactory quality when it was supplied to him. What happened Both parties are familiar with the background of this complaint so I will only... (4 pages)View decision
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