Firm analysis

First Response Finance Ltd complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving First Response Finance Ltd, including outcome context, product mix, complaint themes, and representative cases.

Page summary

286 published decisions involving First Response Finance Ltd, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

286

Firm-specific decision volume in the public corpus

Upheld rate

29.0%

83 upheld decisions

Latest published decision 07 Jul 2025

Published decisions

286

Firm-specific decision volume in the public corpus

Upheld rate

29.0%

83 upheld decisions

Leading product

Payment protection insurance (PPI)

111 decisions

Leading complaint theme

Affordability Assessment Failure

36 tagged decisions

First Response Finance Ltd at a glance

First Response Finance Ltd appears in 286 published decisions in this corpus. 29.0% 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.

Payment protection insurance (PPI) is the firm’s clearest product exposure in the published decisions, with 111 decisions and an upheld rate of 32.4%.

  • Latest active year in the published data: 2025 (15 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

First Response Finance Ltd's decision trail runs from 2013 to 2025. 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, First Response Finance Ltd appeared in 15 published decisions with an upheld rate of 46.7%.

  • 2025: 15 decisions, 46.7% upheld
  • 2024: 41 decisions, 17.1% upheld
  • 2023: 18 decisions, 11.1% upheld
  • 2022: 11 decisions, 27.3% upheld
  • 2021: 12 decisions, 25.0% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to First Response Finance Ltd 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, Icobs, 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.

  • Payment protection insurance (PPI): 111 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-517348907 Jul 2025Not upheld

First Response Finance Ltd · Consumer Credit

DRN-5173489 The complaint Mrs T believes a car supplied to her under a hire purchase agreement with First Response Finance Ltd (FRF) was of unsatisfactory quality. When I refer to what Mrs T or FRF have said or done, it should also be taken to include things said or done on their behal... (3 pages)

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DRN-518185120 Jun 2025Not upheld

First Response Finance Ltd · Consumer Credit

DRN-5181851 The complaint Mrs M complains about the quality of a car she acquired under a hire purchase agreement with First Response Finance Ltd (FRF). When I refer to what Mrs M and/or FRF said or did, it should also be taken to include things said or done on their behalf. What happ... (4 pages)

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DRN-537801917 Jun 2025Upheld

First Response Finance Ltd · Consumer Credit

The complaint Miss J is unhappy that a car supplied to her under a hire purchase agreement with First Response Finance Ltd (First Response) was of an unsatisfactory quality. When I refer to what Miss J has said and what First Response have said, it should also be taken to include things sa... (6 pages)

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DRN-549872109 Jun 2025Not upheld

First Response Finance Ltd · Consumer Credit

DRN-5498721 Complaint Ms M complains that First Response Finance Ltd (“First Response”) 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... (4 pages)

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DRN-515390030 May 2025Not upheld

First Response Finance Ltd · Consumer Credit

DRN-5153900 The complaint Mr R complains that the car he acquired through First Response Finance Ltd (“FRF”) wasn’t of satisfactory quality. He wants FRF to fairly and reasonably settle his complaint and allow him to reject the car and cancel the credit agreement. What happened Mr R ent... (4 pages)

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