Firm analysis

RCI Financial Services Limited complaint analysis

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

Page summary

437 published decisions involving RCI Financial Services Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

437

Firm-specific decision volume in the public corpus

Upheld rate

44.4%

194 upheld decisions

Latest published decision 22 Dec 2025

Published decisions

437

Firm-specific decision volume in the public corpus

Upheld rate

44.4%

194 upheld decisions

Leading product

Banking and credit

230 decisions

Leading complaint theme

Delay In Claim Handling

30 tagged decisions

RCI Financial Services Limited at a glance

RCI Financial Services Limited appears in 437 published decisions in this corpus. 44.4% 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 230 decisions and an upheld rate of 42.6%.

  • Latest active year in the published data: 2025 (56 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

RCI Financial Services Limited's decision trail runs from 2013 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, RCI Financial Services Limited appeared in 56 published decisions with an upheld rate of 51.8%.

  • 2025: 56 decisions, 51.8% upheld
  • 2024: 33 decisions, 42.4% upheld
  • 2023: 29 decisions, 37.9% upheld
  • 2022: 26 decisions, 46.1% upheld
  • 2021: 42 decisions, 50.0% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to RCI Financial Services Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Conc, Disp, 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.

  • Banking and credit: 230 decisions
  • Second complaint theme: Non-disclosure Or Misrepresentation
  • Second precedent signal: Conc

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-594169222 Dec 2025Upheld

RCI Financial Services Limited · Consumer Credit

DRN-5941692 The complaint Mrs P complains about the quality of a car she acquired under a hire agreement with RCI Financial Services Limited trading as Nissan Financial Services (NFS). When I refer to what Mrs P and NFS said or did, it should also be taken to include things said or don... (5 pages)

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DRN-583563118 Dec 2025Upheld

RCI Financial Services Limited · Consumer Credit

DRN-5835631 The complaint Miss N complains that she was held liable for payments under a hire agreement from RCI Financial Services Limited trading as Mobilize Financial Services. What happened Mobilize supplied Miss N with an electric car battery under a hire agreement in September 20... (5 pages)

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DRN-597863418 Dec 2025Not upheld

RCI Financial Services Limited · Consumer Credit

DRN-5978634 The complaint Miss B complains about the end of contract charges in relation to a vehicle that was supplied through a motor finance agreement with RCI Financial Services Limited trading as Nissan Finance (RCI). What happened In January 2021, Miss B acquired a used car throug... (3 pages)

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DRN-600457908 Dec 2025Upheld

RCI Financial Services Limited · Consumer Credit

DRN-6004579 The complaint Mr H complains that RCI Financial Services Limited supplied him with a car which was not of satisfactory quality under a hire purchase agreement. I’ll refer to RCI under its trading name of Mobilize. What happened In April 2023 Mr H entered into a hire purchase... (4 pages)

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DRN-598734703 Dec 2025Not upheld

RCI Financial Services Limited · Consumer Credit

DRN-5987347 The complaint Mr S complains that RCI Financial Services Limited (RCI) , trading as Nissan Financial Services (Nissan), unfairly charged him for a payment after he settled his Hire Purchase Agreement. He would like this matter investigated and compensation for the distress ,... (3 pages)

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