Published decisions
357
Firm-specific decision volume in the public corpus
Firm analysis
Lending Stream Llc complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Lending Stream Llc, including outcome context, product mix, complaint themes, and representative cases.
Page summary
357 published decisions involving Lending Stream Llc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
357
Firm-specific decision volume in the public corpus
Upheld rate
81.5%
291 upheld decisions
Latest published decision 05 Feb 2018
Upheld rate
81.5%
291 upheld decisions
Leading product
Banking and credit
356 decisions
Leading complaint theme
Affordability Assessment Failure
253 tagged decisions
Lending Stream Llc at a glance
Lending Stream Llc appears in 357 published decisions in this corpus. 81.5% 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 356 decisions and an upheld rate of 81.5%.
- Latest active year in the published data: 2018 (49 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Conc
Volume and outcome trajectory
Lending Stream Llc's decision trail runs from 2015 to 2018. 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, Lending Stream Llc appeared in 49 published decisions with an upheld rate of 85.7%.
- 2018: 49 decisions, 85.7% upheld
- 2017: 239 decisions, 84.1% upheld
- 2016: 61 decisions, 68.8% upheld
- 2015: 8 decisions, 75.0% upheld
Themes, products, and precedent signals
Affordability Assessment Failure is the strongest complaint-theme signal tied to Lending Stream Llc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Conc 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: 356 decisions
- Second complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN575762505 Feb 2018Upheld
Lending Stream Llc · Banking and credit
Ms C has complained that Lending Stream LLC (“Lending Stream”) provided several short term loans which were unaffordable for her.backgroundLending Stream says it agreed 22 loans for Ms C between September 2010 and March 2014. These loans were “instalment loans” which mea... (5 pages)
View source decisionDRN095405503 Feb 2018Upheld
Lending Stream Llc · Banking and credit
Mrs M has complained about the instatement loans she’s taken with Lending Stream LLC (Lending Stream) between June 2016 and April 2017. Mrs M says the loans weren’t affordable and Lending Stream didn’t carry out proper affordability checksbackgroundThe background to th... (6 pages)
View source decisionDRN142508702 Feb 2018Upheld
Lending Stream Llc · Banking and credit
Miss W complains about eight instalment loans that she took out with Lending Stream LLC("LSL"). She said that LSL shouldn’t have given her the loans as they were unaffordable.backgroundMiss W took out eight instalment loans with LSL, all repayable by six mon... (6 pages)
View source decisionDRN241580602 Feb 2018Upheld
Lending Stream Llc · Banking and credit
Mr H complains about 10 instalment loans he’s taken with Lending Stream LLC (Lending Stream). Mr H says the loans were unaffordable and so shouldn’t have been given to him. backgroundThe background to this complaint was set out in my provisional decision I sent in Januar... (7 pages)
View source decisionDRN482247302 Feb 2018Upheld
Lending Stream Llc · Banking and credit
Mr P says that Lending Stream LLC agreed to lend him money between 2012 and 2016 which he couldn’t afford to pay back.backgroundLending Stream lent to Mr P between July 2012 and October 2016. I’ve set out a simplified table here. I’ve rounded figures for ease and so thi... (7 pages)
View source decision