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 348 results
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Decision Reference DRN-6000111
24 Dec 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-6000111 The complaint With the help of a professional representative (PR) Mr D complained that Advantage Finance Ltd lent to him irresponsibly. For ease, I’ll refer to the actions of the PR as being those of Mr D. What happened On 16 September 2014, Mr D applied for – and accepted ... (4 pages)View decision -
Decision Reference DRN-5855969
23 Dec 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-5855969 The complaint Mr A complains that Advantage Finance Ltd (‘Advantage’) entered into a Hire Purchase agreement with him when it was unaffordable and that commission was unfairly paid to the broker without it being disclosed to him. Mr A complained using a professional represe... (5 pages)View decision -
Decision Reference DRN-6023829
16 Dec 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-6023829 The complaint Mr M complains about the quality of a car he acquired under a hire purchase agreement with Advantage Finance Ltd (AF). When I refer to what Mr M has said and what AF have said, it should also be taken to include things said on their behalf. What happened In N... (9 pages)View decision -
Decision Reference DRN-5853839
15 Dec 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5853839 Complaint Mrs M complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with her. She’s said that the finance that was unaffordable and this caused ongoing difficulty going forward. Background In September 2017, Advantage F... (5 pages)View decision -
Decision Reference DRN-5931233
28 Nov 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5931233 The complaint Mr W complains that Advantage Finance Ltd refused his request to either reject a faulty car or be paid redress. What happened On 12 June 2023 Mr W acquired a second-hand car at a cost of £11,600 funded by a deposit of £495 and the balance with a hire purchase a... (4 pages)View decision -
Decision Reference DRN-5950711
27 Nov 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5950711 The complaint Mrs S complains that Advantage Finance Ltd refused to let her reject a faulty car. What happened In March 2025 Mrs S acquired a second-hand car at a cost of £10,980. It was over eight years old and had covered over 75,000 miles. The cost was funded by a hire pu... (3 pages)View decision -
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
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