Firm analysis

FirstRand Bank Limited complaint analysis

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

Page summary

571 published decisions involving FirstRand Bank Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

571

Firm-specific decision volume in the public corpus

Upheld rate

44.1%

252 upheld decisions

Latest published decision 19 Dec 2025

Published decisions

571

Firm-specific decision volume in the public corpus

Upheld rate

44.1%

252 upheld decisions

Leading product

Banking and credit

408 decisions

Leading complaint theme

Delay In Claim Handling

57 tagged decisions

FirstRand Bank Limited at a glance

FirstRand Bank Limited appears in 571 published decisions in this corpus. 44.1% 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 408 decisions and an upheld rate of 43.9%.

  • Latest active year in the published data: 2025 (32 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

FirstRand Bank Limited'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, FirstRand Bank Limited appeared in 32 published decisions with an upheld rate of 34.4%.

  • 2025: 32 decisions, 34.4% upheld
  • 2024: 27 decisions, 11.1% upheld
  • 2023: 8 decisions, 37.5% upheld
  • 2022: 8 decisions, 62.5% upheld
  • 2021: 54 decisions, 57.4% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to FirstRand Bank 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, Section 75 Cca, 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: 408 decisions
  • Second complaint theme: Affordability Assessment Failure
  • Second precedent signal: Section 140a Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-603503419 Dec 2025Not upheld

FirstRand Bank Limited · Consumer Credit

DRN-6035034 The complaint Mr A complains that FirstRand Bank Limited trading as Motonovo Finance irresponsibly provided him with an unaffordable regulated hire purchase agreement. Mr A’s complaint has been brought by a professional representative, however for ease I’ve referred to all ... (4 pages)

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DRN-580804909 Dec 2025Upheld

FirstRand Bank Limited · Consumer Credit

DRN-5808049 The complaint Mr M complains that a hire purchase agreement with FirstRand Bank Limited, trading as Motonovo Finance, under which a car was supplied to him, was unaffordable for him. Mr M is being represented by a claims management company. What happened A used car was suppl... (3 pages)

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DRN-594821308 Dec 2025Not upheld

FirstRand Bank Limited · Consumer Credit

DRN-5948213 Complaint Miss C complains that FirstRand Bank Limited (trading as “MotoNovo” Finance) unfairly entered into a hire-purchase agreement with her. She’s said the payments to her agreement were unaffordable. Background In June 2016, MotoNovo provided Miss C with finance for a ... (3 pages)

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DRN-575181817 Nov 2025Upheld

FirstRand Bank Limited · Consumer Credit

DRN-5751818 The complaint Mr D complains that a hire purchase agreement with FirstRand Bank Limited, trading as Motonovo Finance, under which a car was supplied to him, was unaffordable and that it lent to him irresponsibly. Mr D is being represented by a legal adviser. What happened A ... (2 pages)

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DRN-574887011 Nov 2025Upheld

FirstRand Bank Limited · Consumer Credit

DRN-5748870 The complaint Mr O says FirstRand Bank Limited trading as Motonovo Finance, irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards a hire purchase agreement to purchase a car, and a related personal loan. He ... (5 pages)

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