Consumer credit
Consumer-credit firms
Review the complaint volumes and upheld percentages published for every current legal reporter in the FCA consumer-credit category. The FCA does not publish a common per-customer complaint rate for this table, so raw volumes are not ranked.
151current legal reporters in the FCA Consumer credit category
Complete category table
Compare every current reporter
Figures use the same FCA product group and reporting period. Missing values remain marked as not published.
Showing 151 of 151 current FCA reporters
| Legal reporting company | Complaints opened | Complaints closed | Complaints upheld | Company file |
|---|---|---|---|---|
| 247 Money Group Limited | 4,141 | 95 | 14.74% | Open |
| ACI-UK LIMITED | 1,379 | 1,353 | 41.54% | Open |
| ACORN INSURANCE AND FINANCIAL SERVICES LIMITED | 16 | 15 | 80.00% | Open |
| Admiral Financial Services Limited | 1,161 | 1,192 | 25.34% | Open |
| Adrian Flux Insurance Services Group | 22 | 22 | 9.09% | Open |
| ADVANTAGE FINANCE LIMITED | 12,736 | 1,092 | 17.22% | Open |
| Advisory Insurance Brokers Limited | 11 | 12 | 50.00% | Open |
| Ageas Retail Limited | 85 | 81 | 46.91% | Open |
| Aioi Nissay Dowa Insurance UK Limited | 39 | 38 | 47.37% | Open |
| Ald Automotive Limited | 6,923 | 2,079 | 43.92% | Open |
| Aldermore Bank Plc | 469 | 50 | 38.00% | Open |
| ALPHABET (GB) LIMITED | 1,291 | 548 | 69.16% | Open |
| Arthur J. Gallagher Insurance Brokers Limited | 23 | 25 | 56.00% | Open |
| Arval UK Limited | 2,908 | 1,053 | 63.44% | Open |
| Ascent Performance Group Limited | 68 | 72 | 27.78% | Open |
| Atlanta Insurance Intermediaries Limited | 218 | 214 | 44.39% | Open |
| Automobile Association Insurance Services Limited | 426 | 414 | 35.99% | Open |
| AutoMoney Trust Limited | 1,651 | 1,507 | 4.25% | Open |
| Avantia Insurance Limited | 52 | 50 | 30.00% | Open |
| AXA Insurance Designated Activity Company | 118 | 117 | 61.54% | Open |
| AXA Insurance UK Plc | 4 | 3 | 0.00% | Open |
| Bamboo Limited | 978 | 1,210 | 6.86% | Open |
| Bank of Scotland plc | 7,425 | 9,041 | 12.71% | Open |
| Barclays Bank Plc | 2 | 2 | 0.00% | Open |
| Barclays Bank UK PLC | 3,543 | 3,713 | 55.29% | Open |
| BFSL Limited | 760 | 761 | 45.73% | Open |
| Billing Finance Limited | 6,431 | 598 | 20.90% | Open |
| BISL Limited | 323 | 302 | 48.68% | Open |
| Black Horse Limited | 562,527 | 9,555 | 29.67% | Open |
| BLUE MOTOR FINANCE LIMITED | 33,749 | 3,367 | 33.23% | Open |
| BMW FINANCIAL SERVICES (GB) LIMITED | 217,037 | 7,394 | 26.45% | Open |
| British Gas Services Limited | 9 | 11 | 54.55% | Open |
| CA AUTO FINANCE UK LTD | 50,299 | 1,433 | 30.64% | Open |
| Cabot Credit Management Group Limited | 6,968 | 7,434 | 14.57% | Open |
| Capquest Debt Recovery Limited | 1,811 | 836 | 44.62% | Open |
| Car Care Plan Limited | 1 | 1 | 100.00% | Open |
| Carfinance247 Limited | 3,180 | 678 | 20.94% | Open |
| Carmoola Limited | 1,261 | 702 | 36.47% | Open |
| CAROLE NASH INSURANCE CONSULTANTS LIMITED | 36 | 35 | 51.43% | Open |
| Close Brothers Limited | 226,629 | 17,718 | 17.84% | Open |
| Clydesdale Bank Plc | 494 | 505 | 61.78% | Open |
| Clydesdale Financial Services Limited | 27,050 | 1,041 | 38.52% | Open |
| Coutts & Company | 41 | 36 | 55.56% | Open |
| Coventry Building Society | 3 | 3 | 66.67% | Open |
| CREATION CONSUMER FINANCE LIMITED | 10,537 | 3,740 | 41.12% | Open |
| Elderbridge Limited | 11 | 12 | 50.00% | Open |
| EQUIFAX LIMITED | 2,168 | 2,281 | 38.89% | Open |
| EUI Limited | 2,512 | 2,445 | 56.44% | Open |
| Evergreen Finance London Limited | 966 | 1,085 | 3.50% | Open |
| Experian Limited | 10,692 | 10,540 | 12.26% | Open |
| Extracover Limited | 902 | 901 | 26.08% | Open |
| Family Finance Limited | 2,759 | 646 | 0.00% | Open |
| FCE Bank Plc | 167,687 | 13,057 | 5.10% | Open |
| Ferrari Financial Services GmbH | 1,237 | 52 | 5.77% | Open |
| First Central Insurance Management Limited | 475 | 483 | 53.21% | Open |
| FIRST RESPONSE FINANCE LIMITED | 44,333 | 2,826 | 20.45% | Open |
| FirstRand Bank Limited | 68,330 | 177 | 41.24% | Open |
| Foundation for Credit Counselling | 1,106 | 1,094 | 42.87% | Open |
| Frasers Group Financial Services Limited | 10,807 | 8,183 | 10.39% | Open |
| FREEMANS PUBLIC LIMITED COMPANY | 1,027 | 1,049 | 18.97% | Open |
| Funding Circle Ltd | 952 | 887 | 29.54% | Open |
| Gain Credit LLC | 2,336 | 2,570 | 18.05% | Open |
| Go Car Credit Limited | 1,097 | 1,012 | 40.42% | Open |
| Hastings Insurance Services Limited | 782 | 761 | 54.66% | Open |
| Honda Finance Europe Plc | 18,577 | 237 | 47.26% | Open |
| HSBC UK Bank Plc | 4,623 | 4,698 | 51.55% | Open |
| Hutchison 3G UK Limited | 11,804 | 15,325 | 31.50% | Open |
| Hyundai Capital UK Limited | 38,328 | 1,630 | 43.07% | Open |
| I Go 4 Ltd. | 19 | 14 | 28.57% | Open |
| Ikano Bank AB (publ) | 875 | 922 | 42.95% | Open |
| Inclusive Finance Limited | 532 | 523 | 20.46% | Open |
| INSURANCE FACTORY LIMITED | 16 | 17 | 41.18% | Open |
| International Motors Finance Limited | 3,644 | 39 | 43.59% | Open |
| Intrum UK Limited | 660 | 592 | 53.04% | Open |
| Investec Asset Finance Plc | 525 | 535 | 40.00% | Open |
| J D Williams & Company Limited | 3,906 | 3,493 | 25.05% | Open |
| J.P. Morgan Europe Limited | 447 | 438 | 53.88% | Open |
| JAJA FINANCE LTD | 2,888 | 2,887 | 39.31% | Open |
| Klarna Financial Services UK Limited | 979 | 1,012 | 18.48% | Open |
| Kroo Bank Ltd | 18 | 17 | 11.76% | Open |
| Lantern Debt Recovery Services Limited | 1,449 | 1,482 | 17.88% | Open |
| LeasePlan UK Limited | 2,294 | 703 | 58.46% | Open |
| Lendable Ltd | 15,806 | 11,110 | 27.29% | Open |
| Lex Autolease Ltd | 8,077 | 1,833 | 55.32% | Open |
| Link Financial Outsourcing Limited | 2,395 | 2,164 | 27.82% | Open |
| Lloyds Bank PLC | 11,954 | 12,086 | 19.77% | Open |
| Loans 2 Go Limited | 4,531 | 4,682 | 36.54% | Open |
| Lombard North Central PLC | 820 | 359 | 5.01% | Open |
| Lowell Financial Ltd | 5,307 | 5,957 | 25.38% | Open |
| Madison CF UK Limited | 5,016 | 5,551 | 31.13% | Open |
| MARKS AND SPENCER FINANCIAL SERVICES PLC | 778 | 785 | 68.54% | Open |
| Marshmallow Financial Services Ltd | 3 | 3 | 66.67% | Open |
| Mercedes-Benz Financial Services UK Limited | 105,140 | 4,380 | 46.67% | Open |
| Metro Bank PLC | 1,474 | 696 | 35.34% | Open |
| MI Vehicle Finance Limited | 19,366 | 1,248 | 38.46% | Open |
| Mitsubishi HC Capital UK PLC | 9,715 | 5,775 | 27.03% | Open |
| MONEYBARN NO.1 LIMITED | 65,048 | 7,041 | 26.67% | Open |
| Monzo Bank Ltd | 704 | 584 | 30.82% | Open |
| MotoNovo Finance Limited | 67,856 | 6,079 | 56.74% | Open |
| My Finance Club Limited | 682 | 703 | 39.12% | Open |
| N.I.I.B. Group Limited | 130,769 | 2,165 | 33.58% | Open |
| NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY | 7,024 | 6,689 | 46.24% | Open |
| Nationwide Building Society | 1,657 | 1,646 | 51.03% | Open |
| NewDay Ltd | 16,345 | 17,076 | 25.73% | Open |
| Next Retail Limited | 12,695 | 12,714 | 64.47% | Open |
| Northern Bank Limited | 32 | 34 | 23.53% | Open |
| OAKBROOK FINANCE LIMITED | 2,302 | 2,695 | 15.84% | Open |
| One Call Insurance Services Limited | 22 | 22 | 31.82% | Open |
| ONMO Limited | 1,155 | 1,191 | 46.77% | Open |
| Oodle Financial Services Limited | 33,826 | 3,682 | 44.43% | Open |
| Paragon Bank Plc | 12,020 | 5,819 | 1.27% | Open |
| PayPal UK Ltd | 34,578 | 34,339 | 14.55% | Open |
| PRA Group (UK) Limited | 2,136 | 1,891 | 13.70% | Open |
| Premium Credit Limited | 4,060 | 4,069 | 19.07% | Open |
| PROPEL HOLDINGS (UK) LIMITED | 773 | 816 | 41.91% | Open |
| Qmetric Group Limited | 10 | 10 | 50.00% | Open |
| Quidie Limited | 1,514 | 1,475 | 11.66% | Open |
| RCI Financial Services Limited | 229,313 | 11,976 | 6.36% | Open |
| Sabre Insurance Company Limited | 47 | 46 | 13.04% | Open |
| Sainsbury's Bank Plc | 190 | 235 | 55.32% | Open |
| Salary Finance Limited | 778 | 792 | 72.98% | Open |
| Santander Consumer (UK) Plc | 125,410 | 4,463 | 39.70% | Open |
| Santander UK Plc | 1,660 | 1,755 | 52.76% | Open |
| SECURE TRUST BANK PUBLIC LIMITED COMPANY | 21,923 | 4,221 | 39.11% | Open |
| Shawbrook Bank Limited | 894 | 827 | 46.92% | Open |
| Shogun Finance Limited | 11,626 | 35 | 20.00% | Open |
| Shop Direct Finance Company Limited | 19,402 | 19,991 | 28.60% | Open |
| Specialist Motor Finance Limited | 9,364 | 1,015 | 21.87% | Open |
| STARTLINE MOTOR FINANCE LIMITED | 40,155 | 28,264 | 4.22% | Open |
| Stellantis Financial Services UK Limited | 600,919 | 5,980 | 22.09% | Open |
| Suzuki Financial Services Limited | 25,214 | 137 | 37.23% | Open |
| Tandem Motor Finance Limited | 12,573 | 1,266 | 52.45% | Open |
| Telefonica UK Limited | 9,856 | 10,176 | 69.69% | Open |
| The Royal Bank of Scotland Plc | 1,194 | 1,244 | 47.75% | Open |
| Topaz Finance Limited | 24 | 18 | 44.44% | Open |
| Toyota Financial Services (UK) PLC | 200,370 | 33,130 | 3.49% | Open |
| TRANSUNION INTERNATIONAL UK LIMITED | 2,022 | 1,940 | 22.01% | Open |
| TSB Bank plc | 854 | 824 | 57.52% | Open |
| U K Insurance Limited | 567 | 571 | 46.58% | Open |
| U.S. Bank Europe DAC | 3 | 3 | 33.33% | Open |
| UBS AG | 8 | 8 | 0.00% | Open |
| Virgin Media Mobile Finance Limited | 1,014 | 1,042 | 42.23% | Open |
| Vitality Corporate Services Limited | 4 | 3 | 100.00% | Open |
| Vodafone Limited | 4,185 | 4,205 | 56.69% | Open |
| Volkswagen Financial Services (UK) Limited | 270,834 | 19,237 | 30.24% | Open |
| Volvo Car Financial Services UK Limited | 3,056 | 867 | 53.63% | Open |
| Wescot Credit Services Limited | 1,644 | 1,704 | 19.60% | Open |
| Xbridge Limited | 45 | 51 | 39.22% | Open |
| Zempler Bank Limited | 7 | 7 | 57.14% | Open |
| ZILCH TECHNOLOGY LIMITED | 3,981 | 3,979 | 27.54% | Open |
| Zopa Bank Limited | 13,822 | 4,710 | 44.27% | Open |
How to read the ordering
Complaint-rate columns place lower values first. Timely-closure columns place higher values first. Upheld rates and raw complaint volumes are contextual and are not offered as performance rankings.
Reporting period
Compare up to three companies1 July to 31 December 2025. The table compares legal reporters, not necessarily every consumer brand within a corporate group.