Published decisions
681
Firm-specific decision volume in the public corpus
Firm analysis
PDL Finance Limited complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving PDL Finance Limited, including outcome context, product mix, complaint themes, and representative cases.
Page summary
681 published decisions involving PDL Finance Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
681
Firm-specific decision volume in the public corpus
Upheld rate
66.1%
450 upheld decisions
Latest published decision 29 Jan 2026
Upheld rate
66.1%
450 upheld decisions
Leading product
Consumer Credit
342 decisions
Leading complaint theme
Affordability Assessment Failure
197 tagged decisions
PDL Finance Limited at a glance
PDL Finance Limited appears in 681 published decisions in this corpus. 66.1% 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 342 decisions and an upheld rate of 59.4%.
- Latest active year in the published data: 2026 (1 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Conc
Volume and outcome trajectory
PDL Finance Limited's decision trail runs from 2013 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, PDL Finance Limited appeared in 1 published decisions with an upheld rate of 0.0%.
- 2026: 1 decisions, 0.0% upheld
- 2025: 11 decisions, 0.0% upheld
- 2024: 15 decisions, 33.3% upheld
- 2023: 27 decisions, 3.7% upheld
- 2022: 19 decisions, 21.1% upheld
Themes, products, and precedent signals
Affordability Assessment Failure is the strongest complaint-theme signal tied to PDL Finance Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Conc, Consumer Credit Act 1974, Prin, 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: 342 decisions
- Second complaint theme: Delay In Claim Handling
- Second precedent signal: Consumer Credit Act 1974
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-579126029 Jan 2026Not upheld
PDL Finance Limited · Consumer Credit
My final decision is that I do not uphold the complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr B to accept or reject my decision before 26 February 2026.
View source decisionDRN-568291210 Dec 2025Not upheld
PDL Finance Limited · Consumer Credit
DRN-5682912 The complaint Mr B complains that PDL Finance Limited, trading as Mr Lender, lent to him irresponsibly. What happened Mr B was granted two loans by PDL. He borrowed £500 in October 2022, and £1,500 in November 2024. In 2025, Mr B complained to PDL. He said the loans had be... (3 pages)
View source decisionDRN-577612420 Oct 2025Not upheld
PDL Finance Limited · Consumer Credit
DRN-5776124 Complaint Miss H has complained about high-cost short-term credit (“HCSTC”) instalment loan she took out with PDL Finance Limited (trading as “Mr Lender”). She says she already had a significant amount of existing debt and relying heavily on credit. So this loan was unafford... (3 pages)
View source decisionDRN-549039725 Sept 2025Not upheld
PDL Finance Limited · Consumer Credit
DRN-5490397 The complaint Mr D complains that PDL Finance Limited trading as Mr Lender lent to him when he could not afford it. What happened Here is a table which summarises the lending. Loan Approved Amount Terms Status 1 12 April 2024 £3006 months 29 April 2024 2 12 May 2024 £50012 m... (3 pages)
View source decisionDRN-582499023 Sept 2025Not upheld
PDL Finance Limited · Consumer Credit
DRN-5824990 The complaint Mrs R complains that PDL Finance Limited trading as Mr Lender (“Mr Lender”) irresponsibly provided her with two loans whilst she was struggling financially and had a gambling addiction. What happened Mr Lender provided Mrs R with two short term lending loans. ... (4 pages)
View source decision