Firm analysis

Lendable Ltd complaint analysis

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

Page summary

331 published decisions involving Lendable Ltd, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

331

Firm-specific decision volume in the public corpus

Upheld rate

32.0%

106 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

331

Firm-specific decision volume in the public corpus

Upheld rate

32.0%

106 upheld decisions

Leading product

Consumer Credit

271 decisions

Leading complaint theme

Affordability Assessment Failure

69 tagged decisions

Lendable Ltd at a glance

Lendable Ltd appears in 331 published decisions in this corpus. 32.0% 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.

Consumer Credit is the firm’s clearest product exposure in the published decisions, with 271 decisions and an upheld rate of 36.2%.

  • 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

Lendable Ltd's decision trail runs from 2018 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, Lendable Ltd appeared in 2 published decisions with an upheld rate of 0.0%.

  • 2026: 2 decisions, 0.0% upheld
  • 2025: 145 decisions, 37.9% upheld
  • 2024: 76 decisions, 34.2% upheld
  • 2023: 60 decisions, 15.0% upheld
  • 2022: 40 decisions, 37.5% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to Lendable 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 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: 271 decisions
  • Second complaint theme: Fraud Or Scam Concern
  • Second precedent signal: Section 140a Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-603481602 Feb 2026Not upheld

Lendable Ltd · Consumer Credit

For the reasons I’ve explained, I’m not upholding Mr D’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr D to accept or reject my decision before 2 March 2026.

View source decision
DRN-597067229 Jan 2026Not upheld

Lendable Ltd · Consumer Credit

My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss S to accept or reject my decision before 26 February 2026.

View source decision
DRN-585008630 Dec 2025Not upheld

Lendable Ltd · Consumer Credit

DRN-5850086 The complaint Mr J is unhappy that a car supplied to him under a hire purchase agreement with Lendable Ltd trading as Autolend was of an unsatisfactory quality. What happened On 27 March 2023, Mr J was supplied with a used car through a hire purchase agreement with Lendable... (4 pages)

View source decision
DRN-602944918 Dec 2025Upheld

Lendable Ltd · Consumer Credit

DRN-6029449 The complaint Miss S complains Lendable Ltd lent to her irresponsibly. What happened Miss S complained Lendable shouldn’t have approved the following loans: Loan Date Capital Loan fee APR Term Monthly repayment 1 15 February 2024 £4,500£24047.05%24 months £273.38 2 18 Janu... (3 pages)

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DRN-602590817 Dec 2025Upheld

Lendable Ltd · Consumer Credit

DRN-6025908 The complaint Miss S says Lendable Ltd irresponsibly lent to her. What happened Miss S took out a £4,000 loan over 36 months from Lendable on 12 August 2025. The monthly repayments were £191. Miss S says Lendable should never have lent to her. It could have seen she was gamb... (4 pages)

View source decision