Published decisions
446
Firm-specific decision volume in the public corpus
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.
Upheld rate
44.0%
196 upheld decisions
Page summary
446 published decisions involving RCI Financial Services Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
446
Firm-specific decision volume in the public corpus
Upheld rate
44.0%
196 upheld decisions
Latest published decision 11 Aug 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
446
Firm-specific decision volume in the public corpus
Upheld rate
44.0%
196 upheld decisions
Leading product
Banking and credit
230 decisions
Leading complaint theme
Delay In Claim Handling
32 tagged decisions
RCI Financial Services Limited at a glance
AnalysisRCI Financial Services Limited appears in 446 published decisions in this corpus. 44.0% 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: 2026 (9 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
AnalysisRCI Financial Services 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, RCI Financial Services Limited appeared in 9 published decisions with an upheld rate of 22.2%.
- 2026: 9 decisions, 22.2% upheld
- 2025: 56 decisions, 51.8% upheld
- 2024: 33 decisions, 42.4% upheld
- 2023: 29 decisions, 37.9% upheld
- 2022: 26 decisions, 46.1% upheld
Themes, products, and precedent signals
AnalysisDelay 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, Section 140a Cca, 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-651281811 Aug 2026Not upheld
RCI Financial Services Limited · Consumer Credit
For the reasons I’ve given above, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr P to accept or reject my decision before 8 September 2026.
View source decisionDRN-652597610 Aug 2026Not upheld
RCI Financial Services Limited · Consumer Credit
For the reasons I’ve given above, I uphold this complaint in part and tell RCI Financial Services Limited to remove the November 2025 late payment marker and any other adverse credit information arising from the October and November 2025 payments it has refunded. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs C to accept or reject my decision before 7 September 2026.
View source decisionDRN-651588927 Jul 2026Not upheld
RCI Financial Services Limited · Consumer Credit
As I’ve explained above, I’m not upholding Miss J’s complaint about RCI Financial Services Limited trading as Mobilize Financial Services. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss J to accept or reject my decision before 24 August 2026.
View source decisionDRN-623807820 Jul 2026Not upheld
RCI Financial Services Limited · Consumer Credit
For the reasons explained, I don’t uphold Mrs B’s complaint about RCI Financial Services Limited trading as Nissan Financial Services. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs B to accept or reject my decision before 17 August 2026.
View source decisionDRN-629211429 Jun 2026Upheld
RCI Financial Services Limited · Consumer Credit
I am upholding this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 27 July 2026.
View source decision