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Lendable Ltd
Legal entity: Lendable 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 08828186, incorporated December 2013
313banking decisions
22.4%uphold rate
243not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Irresponsible lending | 209 | 41 | 19.6% |
| Credit file reporting | 35 | 18 | 51.4% |
| APP scam refund refused | 14 | 1 | 7.1% |
| Card dispute or chargeback | 13 | 4 | 30.8% |
| Treatment in financial difficulty | 13 | 3 | 23.1% |
| Unauthorised transaction | 13 | 2 | 15.4% |
| Product mis-sold | 10 | 2 | 20.0% |
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 | 31.1% | — | — | 1,118 |
| FOS | 2025-H1 | 27.5% | — | — | 427 |
| FOS | 2024-H2 | 34.0% | — | — | 331 |
| FOS | 2024-H1 | 39.9% | — | — | 286 |
| FOS | 2023-H2 | 34.6% | — | — | 216 |
| FOS | 2023-H1 | 35.3% | — | — | 289 |
| FOS | 2022-H2 | 44.3% | — | — | 216 |
| FOS | 2022-H1 | 42.5% | — | — | 117 |
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.