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 264 results
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Decision Reference DRN-5033106
4 Oct 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-5033106 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-4994407
27 Sep 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4994407 Complaint Miss S complains that Advantage Finance Ltd (“Advantage Finance”) unfairly entered into a hire-purchase agreement with her. She’s effectively said that the payments to the agreement were unaffordable and so it shouldn’t have been provided to her. Background In May... (3 pages)View decision -
Decision Reference DRN-4995054
23 Sep 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4995054 The complaint Mr K complains that Advantage Finance Limited didn’t tell him about a loan acceptance fee until after he’d accepted the loan and that it didn’t tell him how much interest he’d saved when he made overpayments. What happened Mr K entered into a hire purchase agre... (3 pages)View decision -
Decision Reference DRN-5013776
12 Sep 2024 Advantage Finance Ltd UpheldConsumer CreditDRN-5013776 The complaint Miss S is unhappy that she’s being held responsible for the outstanding balance after a car supplied to her under a hire purchase agreement with Advantage Finance Ltd was returned to them. What happened In October 2016, Miss S was supplied with a used car thro... (5 pages)View decision -
Decision Reference DRN-4624774
20 Aug 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4624774 The complaint Mrs L complains that Advantage Finance Ltd (‘Advantage’) didn’t do enough to put things right when a car supplied to her under a hire purchase agreement was found to be of an unsatisfactory quality. When I refer to what Mrs L has said and what Advantage has sa... (4 pages)View decision -
Decision Reference DRN-4690219
6 Aug 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4690219 The complaint Mr H complains that the car he acquired through a hire purchase agreement with Advantage Finance Ltd wasn’t of satisfactory quality. He says that he has allowed the dealer opportunities to carry out repairs, but issues remain. Mr H wants to reject the car. What... (3 pages)View decision -
Decision Reference DRN-4884769
2 Jul 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4884769 The complaint Miss B is complaining about Advantage Finance Ltd (AFL). She says they acted irresponsibly in lending to her and complains that this created an unfair relationship. Miss B’s complaint has been brought to us by a representative but for ease I’ve written as if we’ve... (4 pages)View decision -
Decision Reference DRN-4859771
20 Jun 2024 Advantage Finance Ltd UpheldConsumer CreditDRN-4859771 The complaint Mrs C complains Advantage Finance Ltd (AFL) didn’t sufficiently check whether she could sustain the repayments. And so acted irresponsibly in lending to her as she said the loan was unaffordable. In bringing her complaint Mrs C is represented by a third party. For... (5 pages)View decision -
Decision Reference DRN-4856882
17 Jun 2024 Advantage Finance Ltd UpheldConsumer CreditDRN-4856882 The complaint Miss V is complaining that Advantage Finance Ltd (AFL) shouldn’t have lent to her – she says they were irresponsible in doing so. What happened In March 2018, Miss V took out a hire purchase agreement with AFL to finance the purchase of a vehicle. She paid a depos... (4 pages)View decision -
Decision Reference DRN-4630030
11 Jun 2024 Advantage Finance Ltd Not upheldConsumer CreditDRN-4630030 The complaint Mr P complains about the quality of a car he acquired through a hire purchase agreement financed by Advantage Finance Limited (Advantage). What happened In March 2023 Mr P acquired a used car through a hire purchase agreement financed by Advantage. In August 2023 ... (3 pages)View decision
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