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Gain Credit LLC
Legal entity: Gain Credit LLC
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 FC032134
611banking decisions
49.6%uphold rate
308not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Irresponsible lending | 559 | 274 | 49.0% |
| Credit file reporting | 155 | 130 | 83.9% |
| Treatment in financial difficulty | 36 | 23 | 63.9% |
| Charges and fees | 16 | 12 | 75.0% |
| Support for vulnerable customers | 11 | 4 | 36.4% |
| Complaint handling | 10 | 7 | 70.0% |
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-H2 | 29.6% | — | — | 300 |
| FOS | 2025-H1 | 18.3% | — | — | 400 |
| FOS | 2024-H2 | 29.0% | — | — | 214 |
| FOS | 2024-H1 | 25.7% | — | — | 223 |
| FOS | 2023-H2 | 31.0% | — | — | 373 |
| FOS | 2023-H1 | 34.8% | — | — | 438 |
| FOS | 2022-H2 | 37.9% | — | — | 336 |
| FOS | 2022-H1 | 33.0% | — | — | 301 |
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.