Firm analysis

Evergreen Finance London Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Evergreen Finance London Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

326 published decisions involving Evergreen Finance London Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

326

Firm-specific decision volume in the public corpus

Upheld rate

64.7%

211 upheld decisions

Latest published decision 30 Jan 2026

Published decisions

326

Firm-specific decision volume in the public corpus

Upheld rate

64.7%

211 upheld decisions

Leading product

Consumer Credit

325 decisions

Leading complaint theme

Affordability Assessment Failure

83 tagged decisions

Evergreen Finance London Limited at a glance

Evergreen Finance London Limited appears in 326 published decisions in this corpus. 64.7% 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.

Consumer Credit is the firm’s clearest product exposure in the published decisions, with 325 decisions and an upheld rate of 64.9%.

  • Latest active year in the published data: 2026 (2 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Evergreen Finance London Limited's decision trail runs from 2020 to 2026. 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, Evergreen Finance London Limited appeared in 2 published decisions with an upheld rate of 50.0%.

  • 2026: 2 decisions, 50.0% upheld
  • 2025: 31 decisions, 22.6% upheld
  • 2024: 53 decisions, 66.0% upheld
  • 2023: 54 decisions, 59.3% upheld
  • 2022: 44 decisions, 65.9% upheld

Themes, products, and precedent signals

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

Consumer Credit Act 1974, Section 140a Cca, Conc, 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.

  • Consumer Credit: 325 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 140a Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-560181630 Jan 2026Upheld

Evergreen Finance London Limited · Consumer Credit

My final decision is that I uphold Miss H’s complaint in part. Evergreen Finance London Limited, trading as MoneyBoat.

View source decision
DRN-583683830 Jan 2026Not upheld

Evergreen Finance London Limited · Consumer Credit

My final decision is I do not uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss D to accept or reject my decision before 27 February 2026.

View source decision
DRN-602403516 Dec 2025Not upheld

Evergreen Finance London Limited · Consumer Credit

DRN-6024035 The complaint Mr G complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (“MoneyBoat” irresponsibly lent to him. What happened MoneyBoat provided Mr G with a short-term loan for £800 in January 2025, with a total amount repayable of £1,519.08 over 175 da... (7 pages)

View source decision
DRN-572685015 Dec 2025Not upheld

Evergreen Finance London Limited · Consumer Credit

DRN-5726850 The complaint Miss B complains that Evergreen Finance London Limited trading as MoneyBoat.co.uk (MoneyBoat) lent to her irresponsibly when they provided her with two personal loans. What happened In 2024, Miss B was provided with two short-term loans from MoneyBoat. I’ve i... (4 pages)

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DRN-572986015 Dec 2025Not upheld

Evergreen Finance London Limited · Consumer Credit

DRN-5729860 The complaint Evergreen Finance London Limited trading as MoneyBoat.co.uk(“MoneyBoat”) provided Miss J with a £500 loan in in February 2025. Miss J says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I wo... (2 pages)

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