Published decisions
725
Firm-specific decision volume in the public corpus
Firm analysis
Madison CF UK Limited complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Madison CF UK Limited, including outcome context, product mix, complaint themes, and representative cases.
Page summary
725 published decisions involving Madison CF UK Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
725
Firm-specific decision volume in the public corpus
Upheld rate
37.5%
272 upheld decisions
Latest published decision 28 Dec 2025
Upheld rate
37.5%
272 upheld decisions
Leading product
Consumer Credit
501 decisions
Leading complaint theme
Affordability Assessment Failure
266 tagged decisions
Madison CF UK Limited at a glance
Madison CF UK Limited appears in 725 published decisions in this corpus. 37.5% 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.
Consumer Credit is the firm’s clearest product exposure in the published decisions, with 501 decisions and an upheld rate of 39.1%.
- Latest active year in the published data: 2025 (100 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
Madison CF UK Limited's decision trail runs from 2015 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, Madison CF UK Limited appeared in 100 published decisions with an upheld rate of 9.0%.
- 2025: 100 decisions, 9.0% upheld
- 2024: 89 decisions, 36.0% upheld
- 2023: 153 decisions, 50.3% upheld
- 2022: 192 decisions, 39.1% upheld
- 2021: 93 decisions, 57.0% upheld
Themes, products, and precedent signals
Affordability Assessment Failure is the strongest complaint-theme signal tied to Madison CF UK 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: 501 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-581688028 Dec 2025Not upheld
Madison CF UK Limited · Banking and Payments
DRN-5816880 The complaint Mr S complains about the service he received from Madison CF UK Limited trading as 118 118 Money when his credit card account was compromised. What happened Mr S had a credit card account with 118118 Money. On 9 June 2024, he discovered that the account had be... (3 pages)
View source decisionDRN-600527119 Dec 2025Not upheld
Madison CF UK Limited · Consumer Credit
DRN-6005271 The complaint Miss C complains Madison CF UK Limited (“118”) treated her unfairly when she entered into a Debt Management Plan (DMP) with a third-party debt charity. She feels they harassed her and continued to communicate with her when they shouldn’t have. What happened In ... (2 pages)
View source decisionDRN-580315515 Dec 2025Not upheld
Madison CF UK Limited · Consumer Credit
DRN-5803155 Complaint Mr M has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that it ought to have known the loan was unaffordable and so shouldn’t have provided it to him. Background 118 118 Money provided Mr M with a loan for £1,5... (3 pages)
View source decisionDRN-588111915 Dec 2025Not upheld
Madison CF UK Limited · Consumer Credit
DRN-5881119 Complaint Mr S has complained about a loan Madison CF UK Limited (trading as “118 118 Money”) provided to him. He says that it ought to have known the loan was unaffordable. Background 118 118 Money provided Mr S with a loan for £5,000.00 in February 2024. This loan was due... (3 pages)
View source decisionDRN-592221312 Dec 2025Not upheld
Madison CF UK Limited · Banking and Payments
DRN-5922213 The complaint Mr S complains that Madison CF UK Limited trading as 118 118 Money lent irresponsibly when it approved her credit card application. What happened Mr S applied for a 118 118 Money credit card in August 2024. In his application, Mr S said he was earning £2,239 a... (2 pages)
View source decision