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 293 results
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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 -
Decision Reference DRN-5299974
14 Apr 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5299974 Complaint Mr D 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 resulted in the lending relationship between him and Advantage Finance being unfair to him. ... (5 pages)View decision -
Decision Reference DRN-5204367
7 Apr 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5204367 The complaint Mr M complains about a balance owed under a hire purchase agreement with Advantage Finance Ltd. Throughout his complaint, Mr M has been represented by a third party. But for ease, I’ll just refer to Mr M. What happened In August 2023, a hire purchase agreement ... (4 pages)View decision -
Decision Reference DRN-5397697
4 Apr 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5397697 The complaint Mr B, who is represented by a third party, complains that Advantage Finance Limited (‘Advantage’) irresponsibly granted him a hire purchase agreement he couldn’t afford to repay. What happened In July 2017, Mr B acquired a used car financed by a hire purchase ... (4 pages)View decision -
Decision Reference DRN-5407687
4 Apr 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5407687 The complaint Mr D complains through a representative that Advantage Finance Ltd (“Advantage”) gave him a hire purchase agreement without carrying out adequate affordability checks. What happened In January 2021, Advantage provided Mr D with a hire purchase agreement for a ... (3 pages)View decision -
Decision Reference DRN-5176340
28 Mar 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5176340 The complaint Mr and Mrs C complain Advantage Finance Ltd (Advantage) irresponsibly entered into a car finance agreement because it did not complete reasonable and proportionate checks to ensure the agreement was affordable for them. What happened Mr and Mrs C entered into ... (5 pages)View decision -
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
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