Published decisions
738
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.
Upheld rate
37.1%
274 upheld decisions
Page summary
738 published decisions involving Madison CF UK Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
738
Firm-specific decision volume in the public corpus
Upheld rate
37.1%
274 upheld decisions
Latest published decision 20 Apr 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
738
Firm-specific decision volume in the public corpus
Upheld rate
37.1%
274 upheld decisions
Leading product
Consumer Credit
509 decisions
Leading complaint theme
Affordability Assessment Failure
278 tagged decisions
Madison CF UK Limited at a glance
AnalysisMadison CF UK Limited appears in 738 published decisions in this corpus. 37.1% 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.
Consumer Credit is the firm’s clearest product exposure in the published decisions, with 509 decisions and an upheld rate of 38.7%.
- Latest active year in the published data: 2026 (13 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisMadison CF UK Limited's decision trail runs from 2015 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, Madison CF UK Limited appeared in 13 published decisions with an upheld rate of 15.4%.
- 2026: 13 decisions, 15.4% upheld
- 2025: 100 decisions, 9.0% upheld
- 2024: 89 decisions, 36.0% upheld
- 2023: 153 decisions, 50.3% upheld
- 2022: 192 decisions, 39.1% upheld
Themes, products, and precedent signals
AnalysisAffordability 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: 509 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-629179220 Apr 2026Not upheld
Madison CF UK Limited · Consumer Credit
For the reasons I’ve explained, I’m not upholding Mr G’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr G to accept or reject my decision before 18 May 2026.
View source decisionDRN-624238902 Apr 2026Not upheld
Madison CF UK Limited · Consumer Credit
My final decision is that I’m not upholding Mr D’s complaint about Madison CF UK Limited trading as 118 118 Money. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr D to accept or reject my decision before 30 April 2026.
View source decisionDRN-624677102 Apr 2026Not upheld
Madison CF UK Limited · Consumer Credit
For the reasons I’ve explained, I’m not upholding Miss C’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss C to accept or reject my decision before 30 April 2026.
View source decisionDRN-626419131 Mar 2026Upheld
Madison CF UK Limited · Consumer Credit
I am upholding Miss C’s complaint. Madison CF UK Limited, trading as 118 118 Money, must put things right as set out above.
View source decisionDRN-615633424 Mar 2026Upheld
Madison CF UK Limited · Banking and Payments
I uphold this complaint. Madison CF UK Limited trading as 118 118 Money should take the following actions: 118 118 Money should arrange to transfer any debt back to themselves if it has been passed to a debt recovery agent or liaise with them to ensure the redress set out below is carried out promptly; Rework the account removing all interest, fees, charges, and insurances (not already refunded) that have been ap...
View source decision