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JAJA FINANCE LTD
Legal entity: JAJA FINANCE 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 09797750, incorporated September 2015
100banking decisions
29.0%uphold rate
71not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Irresponsible lending | 46 | 4 | 8.7% |
| Card dispute or chargeback | 16 | 6 | 37.5% |
| Credit file reporting | 16 | 10 | 62.5% |
| Complaint handling | 12 | 9 | 75.0% |
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 | 30.4% | — | — | 223 |
| FOS | 2025-H1 | 35.1% | — | — | 119 |
| FOS | 2024-H2 | 41.0% | — | — | 73 |
| FOS | 2024-H1 | 49.4% | — | — | 71 |
| FOS | 2023-H2 | 32.4% | — | — | 90 |
| FOS | 2023-H1 | 32.1% | — | — | 79 |
| FOS | 2022-H2 | 41.8% | — | — | 36 |
| FOS | 2022-H1 | 43.1% | — | — | 35 |
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.