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Apfin Ltd
Legal entity: APFIN LTD
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 07989136, incorporated March 2012
29banking decisions
—uphold rate (too few to publish)
12not upheld
Only 29 decisions carry a recorded outcome for this firm. That is too few to publish a rate, so none is shown — a percentage over a handful of cases would be noise presented as a finding.
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Irresponsible lending | 25 | 16 | 64.0% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FOS | 2025-H1 | 0.0% | — | — | 121 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.