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Official FCA dataFCA release 2025 H2, published 2026-05-15

USAY BUSINESS LTD

Firm reporting period: 2025-07-01 to 2025-12-31

Official complaint trends and same-category comparisons for this FCA legal reporting entity.

Historical identity changed

Earlier FCA observations were published under another legal-name form. The match uses the same FCA reference number or a unique reviewed legal-name variant. This does not prove that products or reporting scope stayed unchanged.

Conclusion

The complaint rate is above peers and complaint resolution is mixed; historical evidence is incomplete.

Insurance and pure protection. Figures are limited to this FCA product group and compared only with other reporters in the same group. History: 2024 H2 to 2025 H2 FCA releases. Release labels may differ from a firm’s reporting dates.

Current key indicators, peer comparisons and history
IndicatorCurrent valueCompared with peersCompared with 2024 H2
Intermediation complaint ratePer 1,000 products sold or arranged22.23UnfavourablePeer average 10.55 · 63 firmsUnavailableNo comparable observation for this window
Closed within 3 daysShare of complaints closed8.24%UnfavourablePeer average 33.66% · 148 firmsImprovedUp 7.60 percentage points
Closed within 8 weeksShare of complaints closed99.18%FavourablePeer average 93.14% · 148 firmsWorsenedDown 0.66 percentage points

Charts

Choose charts · 4 selected
3 available points

Complaints opened

Down 33 since 2024 H2
CompanyOther same-category firms’ average
4,9762,5032924 H225 H125 H2
2025 H2629
Other firms’ average3,829
FCA reported
View all figures
Complaints opened historical values
PeriodCompanyOther firms’ averageSource type
2024 H26624,376 (146 firms)FCA reported
2025 H16664,261 (152 firms)FCA reported
2025 H26293,829 (162 firms)FCA reported
3 available points

Closed within 3 days

Up 7.60 percentage points since 2024 H2
CompanyOther same-category firms’ average
38.94%19.47%0.00%24 H225 H125 H2
2025 H28.24%
Other firms’ average33.66%
FCA reported
View all figures
Closed within 3 days historical values
PeriodCompanyOther firms’ averageSource type
2024 H20.64%31.24% (140 firms)FCA reported
2025 H12.17%32.45% (145 firms)FCA reported
2025 H28.24%33.66% (148 firms)FCA reported
3 available points

Complaints upheld by firm

Up 2.27 percentage points since 2024 H2
CompanyOther same-category firms’ average
50.11%31.37%12.63%24 H225 H125 H2
2025 H219.44%
Other firms’ average45.46%
FCA reported
View all figures
Complaints upheld by firm historical values
PeriodCompanyOther firms’ averageSource type
2024 H217.17%45.56% (138 firms)FCA reported
2025 H122.52%44.23% (146 firms)FCA reported
2025 H219.44%45.46% (149 firms)FCA reported
2 available points

Intermediation complaint rate

Down 0.61 per 1,000 since 2025 H1
CompanyOther same-category firms’ average
24.9016.417.9224 H225 H125 H2
2025 H222.23
Other firms’ average10.55
FCA reported
View all figures
Intermediation complaint rate historical values
PeriodCompanyOther firms’ averageSource type
2025 H122.849.98 (54 firms)FCA reported
2025 H222.2310.55 (63 firms)FCA reported

Official observations and clearly labelled calculations from published FCA product figures are shown. Other gaps remain gaps. Raw complaint counts and upheld rates are context only. View FCA release details.

All indicators and reporting details

Peer averages are unweighted and exclude this company. Same-category firms may differ in business mix. Raw counts and upheld rates are context only, not quality ratings.

Intermediation complaint rate

22.23

Complaints per 1,000 products sold, advised on or arranged. It uses a different denominator from provision data.

FCA reported

Complaints opened

629

A raw count. Larger businesses commonly receive more complaints, so this is not a ranking measure.

FCA reported

Complaints closed

607

A raw count of complaints closed during the period. It may include complaints opened earlier.

FCA reported

Closed within 3 days

8.24%

The share closed within three days. Higher is generally favourable, subject to reporting scope.

FCA reported

Closed within 8 weeks

99.18%

Behind Your Money calculation adding the FCA's two published closure bands.

Behind Your Money calculation

Closed after 3 days but within 8 weeks

90.94%

The share closed after three days but within eight weeks.

FCA reported

Complaints upheld by firm

19.44%

Context only. A lower upheld rate is not automatically evidence of better complaint handling.

FCA reported

Source

Financial Conduct Authority

FCA firm-level complaints data 2025 H2. The FCA source remains authoritative.

As of
2026-05-15
FCA release
2025 H2
Firm reporting period
2025-07-01 to 2025-12-31
Licence
Open Government Licence v3.0
Open the FCA publication
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