Firm analysis

Elevate Credit International Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Elevate Credit International Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

1,164 published decisions involving Elevate Credit International Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,164

Firm-specific decision volume in the public corpus

Upheld rate

90.3%

1,051 upheld decisions

Latest published decision 29 Jun 2020

Published decisions

1,164

Firm-specific decision volume in the public corpus

Upheld rate

90.3%

1,051 upheld decisions

Leading product

Banking and credit

848 decisions

Leading complaint theme

Affordability Assessment Failure

310 tagged decisions

Elevate Credit International Limited at a glance

Elevate Credit International Limited appears in 1,164 published decisions in this corpus. 90.3% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Banking and credit is the firm’s clearest product exposure in the published decisions, with 848 decisions and an upheld rate of 89.0%.

  • Latest active year in the published data: 2020 (898 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Conc

Volume and outcome trajectory

Elevate Credit International Limited's decision trail runs from 2015 to 2020. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Elevate Credit International Limited appeared in 898 published decisions with an upheld rate of 94.4%.

  • 2020: 898 decisions, 94.4% upheld
  • 2019: 198 decisions, 89.9% upheld
  • 2018: 30 decisions, 30.0% upheld
  • 2017: 21 decisions, 42.9% upheld
  • 2016: 15 decisions, 46.7% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to Elevate Credit International Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Conc, Prin, Consumer Credit Act 1974, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Banking and credit: 848 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Prin

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-188838429 Jun 2020Upheld

Elevate Credit International Limited · Consumer Credit

DRN-1888384The complaintMr C complains Elevate Credit International Limited (trading as Sunny) lent to him irresponsibly. What happenedMr C took 37 instalment loans between March 2017 and March 2019. I’ve included some of the information we’ve received about these loans below. Loan NumberL... (5 pages)

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DRN-194497728 Jun 2020Upheld

Elevate Credit International Limited · Consumer Credit

DRN-1944977 The complaintMr F complains that Elevate Credit International Limited (trading as Sunny) was irresponsible in its lending to him. What happenedThis complaint is about the 12 instalment loans Sunny provided to Mr F between May 2015 and October 2016. His borrowing history is set ... (4 pages)

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DRN-174193727 Jun 2020Upheld

Elevate Credit International Limited · Consumer Credit

DRN-1741937The complaint Mr G complains that Elevate Credit International Limited (trading as Sunny) lent irresponsibly to him. BackgroundBetween June 2017 and April 2018, Mr G borrowed seven loans from Sunny. His borrowing history is set out below. Loan NoDate TakenDate closedAmount take... (4 pages)

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DRN-195036227 Jun 2020Upheld

Elevate Credit International Limited · Consumer Credit

DRN-1950362 The complaintMr M complains that Elevate Credit International Limited (trading as Sunny) irresponsibly gave him loans he couldn’t afford to pay back. What happened Sunny gave Mr M five loans between September 2018 and March 2019. Here are some of the main details of those loans... (5 pages)

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DRN-171635426 Jun 2020Upheld

Elevate Credit International Limited · Consumer Credit

DRN-1716354 The complaintMs W says Elevate Credit International Limited trading as Sunny lent to her irresponsibly. She says this affected her financially as she needed to borrow again to make the repayments. She says this caused her stress and anxiety. What happenedThis complaint is about... (3 pages)

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