Oakbrook Finance Avis 

Avoid This Company 😂

Avoid this company unless you enjoy playing “Where Did the Extra £249 Come From?” — apparently the latest instalment in their customer service experience.

I asked for a settlement figure. They sent me one. I called within 24 hours to pay it. Simple, right?

Wrong. Apparently, they’d “done the workings out wrong” and suddenly there was an extra £249 to pay. No problem — I simply asked for a breakdown so I could understand where this magical £249 had appeared from.

Three days later… still no breakdown. No phone call. Nothing.

Well, actually, there was an email saying they were closing my query because they hadn’t heard from me. 😂

I’ve only called SIX TIMES, but clearly I’ve been doing it telepathically because apparently they haven’t heard from me.

Every time I call, I have to explain the whole thing again. All I’m asking for is a written breakdown of the new settlement figure, just like the original one they happily provided. Once they explain the extra £249, I’ll pay it.

But strangely, despite being very happy to tell me about the extra £249 verbally, they seem to have developed a sudden allergy to putting it in writing.

If the £249 is legitimate, surely showing me how they arrived at the figure shouldn’t be harder than calculating it in the first place. 🤷‍♂️

At this point, I’m starting to think the £249 was calculated using the same system they use to decide whether six phone calls count as “hearing from someone.” 😂

10/10 for creativity. 0/10 for customer service

I took out a small loan in April 2026 and paid the full amount back within 2 weeks. As far as I'm concerned the debt is settled. Oakbrook obviously doesn't like updating credit reference agencies as 3 months later it's still classed as outstanding on my credit file. This is unacceptable for a company to blacken a customers credit file with a debt that was settled 3 months ago. You may be skint and need a hand like I did. But don't use this company. It's disgraceful how they treat full paying customers. I'd hate to see if anyone ever missed a payment. Probably the gallows.

Cowboys. Despite agreeing breathing space for 1 month I’m getting harassed by text and phone despite having an agreement to start payments back at thd end of May! Clearly they don’t stand by the ‘support’ they offer. Off to report them to the FCA!

Dodgy loan company, be aware.

Up until last June i paid all my payments on time, but. I had to ask for a reduced payment of £20. ,still paying £50 ,per month ,which they agreed to ,went bk to full payment last December, which put me in arrears of £190 ,now they are threatening to send a default because I haven't made arrangements to repay the arrears although I am still making my full monthly payment, can't wait to get rid off them ,absolutely avoid this company, no compassion to anyone's circumstances all their interested in getting there money back .

Absolute bunch of financially raping people. I requested a cancellation of my financial agreement within the 14 days. I emailed them over five times about my cancellation. They did not respond within the fourteen days. They then said I had to pay the full amount of the end of term agreement price rather than the amount they transferred. They even refused to cancel the agreement within the fourteen days when I contacted them.

Please do not use this company regardless of how desperate you are I took out a loan for £5000 over three years received an annual statement claiming my closing balance was £74.75 the same day I saw a pending transaction for £160.75 no one could explain why said interest £90 I dont think so particularly as they had made 37 payments. I stopped the transaction with my bank logged a complaint they confirmed I only owed the original closing balance but still could not explain what had happened I told them to apply for the amount no response so today went online to pay and to my amazement they have charged me a late payment fee This company attacks vunerable people

I am extremely disappointed with how Oakbrook Loans have handled my account. After experiencing temporary financial difficulty, I kept in full communication with them and entered into a payment plan that reflected my circumstances.
Unfortunately, one small payment failed due to a bank card issue, but I immediately contacted them and took a family loan to clear the full balance within one month. Despite my cooperation and early repayment, Oakbrook still went ahead and registered a default on my credit file.
This has caused serious and lasting damage to my credit rating, even though the debt was fully settled almost immediately. I genuinely feel this is unfair, disproportionate, and lacks compassion, especially for someone who was proactive and transparent throughout.
I’ve since raised a complaint and will be escalating to the Financial Ombudsman Service.
Oakbrook Loans talk about supporting customers in financial difficulty, but in my experience, they did the opposite.

I unfortunately had a life changing episode that resulted in going in to arrears to all my creditors. I contacted each one, offered repayment and all accepted except Oakbrook/Finio Loans. I have been incessantly harassed and asked to repeat on numerous occasions the painful incident that occurred. The most recent interaction I spoke with a customer service representative and he told me that they would review in 2 months. Then 10 minutes later another customer representative called and asked me the same questions and asked why I didn’t pay. I explained I had set up a direct debit and been paying monthly consistently for some time. She went silent on the phone and repeated the same questions over and over again. I received an email in August 2025 saying they would review in 6 months and then over the last 7 days the calls/texts/emails have started again. Is this not harassment? I believe this is

This is simply a cow boy outfit. They have no concept of GDPR, or identification and verification. They will call you and text you off random mobile numbers asking for your date of birthday and mother’s maiden name and do nothing to provide who they are. They also clearly prey on people with poor credit so they can lend with sky high interest rates.

I am unable to pay my loan early, or make payments at all as their online system hasn't updated with the loan. Their customer service is copy and paste responses, they don't touch any complaints and they're woefully inexperienced in dealing with customers clearly. I would steer clear of them and their other associated companies. When I put my complaint in I received 2 emails, one stating it had been received and escalated and the next saying it was closed with no resolution due to my inaction. What a joke.

Stay far away from this company! They approve your loan, make you wait, and give you false hope. After endless waiting, they suddenly email you claiming there was a "system error" and they can't provide the loan. Meanwhile, they've already done a hard credit check, which hits your credit score. The whole process is misleading, and it ends up damaging your credit. Save yourself the hassle and avoid them!

Will not talk to me regarding a missed payment that that put in my credit report on the 8th & payment is not due till the 20th.As soon as I mention credit report they hang up..This has made an impact on my credit report. 😡

Destroyed my credit rating for recording missed payments despite paying every month via DMP. Awful customer service that have no humanisation. This company alone has made me feel suicidal having them RUIN my life.

Despite telling these people that my mobile number does not belong to a woman named Jacqueline Rudd, not just on e, but 3 times, to be told my number would be removed from their data they CONTINUE to call my number for this woman!! 5 days on the trot now and a couple of times a day.
I am not a customer and I never will be. Harassment and I will be seeking legal advise!

This company is so incompetent they didn't even attach the response letter while replying to my complaint. These people are all unprofessional jokers who don't know what they are doing. Avoid like the plague

Liars and caused my sister great anxiety. Not very inclusive and only care about getting their money. AVOID AT ALL COSTS

Terrible. Recorded missed payments on my credit filer when I WAS paying every single month via DMP. Complete liars, who destroy your credit for NO REASON. Horrible company. AVOID.

Loan approved and money still not received 5 days later. Customer service is shocking. Emails not answered, live chat has no one available and phone operators are rude and cannot answer queries like 'when will I receive my funds?'!

AVOId AVOiD AVOID worst company out there avoid at all costs