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 280 results
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Decision Reference DRN-5236995
7 Feb 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5236995 The complaint Miss J complains through a representative that Advantage Finance Ltd (“Advantage”) gave her a hire purchase agreement without carrying out a sufficient affordability assessment. What happened In September 2019, Advantage provided Miss J with a hire purchase ag... (5 pages)View decision -
Decision Reference DRN-4876026
5 Feb 2025 Advantage Finance Ltd UpheldConsumer CreditDRN-4876026 The complaint Mr V complains that a car acquired under a hire purchase (HP) agreement with Advantage Finance Ltd (‘Advantage’) wasn’t of satisfactory quality. What happened In July 2023 Mr V was supplied with a used car through a HP agreement with Advantage. The car was abou... (3 pages)View decision -
Decision Reference DRN-5153741
31 Jan 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5153741 Complaint Miss S has complained about the quality of a car that Advantage Finance Ltd (“Advantage Finance”) supplied to her through a hire-purchase agreement. Background Miss S appears to have raised concerns over the affordability of the agreement and whether Advantage Fin... (9 pages)View decision -
Decision Reference DRN-5262428
24 Jan 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5262428 The complaint Mrs G complains through a representative that Advantage Finance Ltd (“Advantage”) gave her a hire purchase agreement without carrying out adequate affordability checks. What happened In July 2019, Advantage provided Mrs G with a hire purchase agreement for a u... (3 pages)View decision -
Decision Reference DRN-5249961
13 Jan 2025 Advantage Finance Ltd Not upheldConsumer CreditDRN-5249961 Complaint Mr H 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-4953288
27 Nov 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4953288 The complaint Mr C is unhappy that a car supplied to him under a hire purchase agreement with Advantage Finance Ltd (“Advantage”) was of an unsatisfactory quality. When I refer to what Mr C has said and what Advantage has said, it should also be taken to include things said... (4 pages)View decision -
Decision Reference DRN-5027892
22 Nov 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-5027892 The complaint Mr R complains that Advantage Finance Ltd irresponsibly provided him with a hire purchase agreement for a car that he couldn’t sustainably afford. Mr R has been assisted by a third party in making his complaint however for ease of reference I will only refer to... (3 pages)View decision -
Decision Reference DRN-4724540
22 Nov 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4724540 The complaint Mr M complains Advantage Finance Ltd (Advantage) supplied him with a car that he believes wasn’t of satisfactory quality. What happened The background of this complaint is well known to both parties so I won’t repeat them. Instead I will focus on the reason fo... (4 pages)View decision -
Decision Reference DRN-5000230
12 Nov 2024 Advantage Finance Ltd UpheldConsumer CreditDRN-5000230 The complaint Mrs D is unhappy that a car supplied to her under a hire purchase agreement with Advantage Finance Limited was of an unsatisfactory quality. Mrs D has been represented during the claim and complaint process by Mr H. For ease of reference, I will refer to any ... (6 pages)View decision -
Decision Reference DRN-5075130
6 Nov 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-5075130 Complaint Mr P 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
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