Fluro: most-reported complaints
Automated analysis of 287 public Trustpilot reviews published 2022-11-17 to 2026-09-07. TrustScore 4.9 from 2,946 total reviews — see the Trustpilot page. Quick answer: is Fluro legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report issues categorized as 'Other,' which accounted for 13 of the 37 identified complaints. Misleading pricing was the next most common concern, cited in 8 complaints. Additionally, reviewers reported aggressive collections and unreachable support, with 5 complaints each regarding these issues.
How to reach Fluro
These are the contact details Fluro publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 02070968512, email [email protected], address 55 Old Broad St, London, EC2M 1RX, GB.
The company claimed its Trustpilot profile on 2022-08-23, uses Trustpilot’s paid features, and last replied to a negative review on 2026-09-15. Trustpilot ranks it 23 of 164 in Non-Bank Financial Service. We last checked this profile on 2026-09-24 and found 4 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Companies House: FLURO LTD (no. 06713178), active, incorporated 2008 (17.9 years); next accounts due 2027-06-30, last accounts filed 2026-04-15. 1 current officer; 2 filings in the last 12 months (46 filings on record). official record — public register facts, not an indicator of wrongdoing; officer changes are routine in many company structures. Live Companies House status as of 2026-09-23.
Forum footprint: 29 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count. Recent thread titles: “Fluroescent strip lights help ?”, “Flurodine Toothpaste - 70p?”, “E: 04/05 Win Hipanema Fluro Turquoise Friendship Bracelet (Facebook)”.
Elsewhere: 4.8★ on Google (220 reviews)
TrustScore over time
4.9 → 4.9 across 14 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-15 (100%, 2.6d) · 2026-08-18 (100%, 2.6d) · 2026-08-21 (100%, 2.0d) · 2026-08-24 (100%, 2.0d) · 2026-08-27 (100%, 2.0d) · 2026-08-30 (100%, 2.0d) · 2026-09-02 (100%, 2.0d) · 2026-09-08 (80%, 2.0d) · 2026-09-12 (80%, 2.0d) · 2026-09-15 (80%, 2.0d) · 2026-09-18 (100%, 3.0d) · 2026-09-21 (100%, 3.0d) · 2026-09-24 (100%, 3.0d).
Severity: 49% of this company’s 37 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 1.3 days between the experience and publishing their negative review (40 reviews record both dates).
Ombudsman outcomes
The Financial Ombudsman Service has published 11 decisions naming this firm (too few to quote an upheld rate).
Covers decisions dated 2022-12-23 to 2026-05-21, by the acceptance-deadline date the Ombudsman publishes — not the date the complaint was decided.
Official published outcomes from the Financial Ombudsman Service, not our analysis. Uphold rates reflect the cases that reached the ombudsman, not all complaints. source.
Measured reply time: across 39 negative reviews that received a public reply, the median wait was 1.9 days — the company profile reports an average of 3 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 39 company replies to negative reviews analysed, 77% engaged with the specific problem and 23% were generic templates.
13% of its 270 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: other makes up 35% of this company’s complaints vs a 20% median across 148 ranked companies in its sector.
Review velocity: 589 of this company’s 2,946 Trustpilot reviews (20%) were written in the last 12 months.
Not enough reviews to establish a trend.
What are the most common complaints about Fluro?
Other
13 reports · 35% of complaints“told no on a £482 repayment”
The company replied on 2023-06-22: “Hi David, Thank you for your feedback. Our loan approvals are subject to validation of all the information provided. Sometimes, we are unable to do this through automation. This is an essential…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
2 readers marked this review helpful on Trustpilot.
“Now this will have a negative impact on my credit score and have read this is on my credit repaort for 2 years.”
The company replied on 2023-06-09: “Good afternoon Alisha, Thank you for taking the time to leave us a review. We're sorry to hear about your experience applying for a Fluro loan. As a responsible lender, we will continue to complete…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“today, it was ruined.”
The company replied on 2023-04-18: “Hello John, Thank you for taking the time to leave us a review. We're sorry to hear about your experience applying for a Fluro loan. As a responsible lender, we will continue to complete added checks…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
Misleading pricing
8 reports · 22% of complaints“Fluro also state on their website that applying will not affect your credit score (THIS IS A LIE)”
The company replied on 2026-04-22: “Hello Marc, Thank you for taking the time to leave us a review. We're sorry about your recent experience applying for a loan with Fluro. One of our Senior Underwriters will be in contact to discuss…”
Our classifier read this reply as a template response.
“They advertised a triple lock guarantee on rates and showed on my credit file that I had been provisionally approved.”
The company replied on 2025-08-22: “Hello Robin, Thank you for taking the time to leave us a review. We're sorry about your recent experience applying for a loan with Fluro. As a responsible lender, we complete additional checks on…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“First they have approved my loan request and after that declined it without giving me any reason.”
The company replied on 2026-02-16: “Hello Faisal, Thank you for taking the time to leave us a review. We're sorry about your recent experience applying for a loan with Fluro. Please email us at [email protected] or call us on 0207 096…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Aggressive collections
5 reports · 14% of complaints“My score has dropped by nearly 200 points!”
The company replied on 2023-04-04: “Good afternoon Bethan, Thank you for taking the time to leave us a review. We are sorry to hear about your most recent experience when applying for a loan with Fluro. We will be in touch shortly to…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“I have never applied for any credit, and this company keeps appearing on my credit check every month.”
The company replied on 2026-07-27: “Good morning S Shrestha, We are sorry to learn that you have seen credit report searches you don't recognise. Please contact our team on 0207 086 8512, and we will be able to investigate this further…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“I wake up to the intimidating non-payment email reminders that basically say do this or...”
The company replied on 2025-12-30: “Hello Shaun, Thank you for your review. We have spoken with you directly regarding your account and the communications you’ve received, and we will continue to keep you updated. Kind regards, Fluro”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Support unreachable
5 reports · 14% of complaints“They advertised a triple lock guarantee on rates and showed on my credit file that I had been provisionally approved.”
The company replied on 2025-08-22: “Hello Robin, Thank you for taking the time to leave us a review. We're sorry about your recent experience applying for a loan with Fluro. As a responsible lender, we complete additional checks on…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“still no outcome and no reply’s to my emails”
The company replied on 2026-09-15: “Good afternoon, Thank you for taking the time to leave us a review. We're sorry about your recent experience applying for a loan with Fluro. Please email us at [email protected] or call us on…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“Took over a week to hear if I’d been approved for loan. I constantly had to phone for progress”
The company replied on 2023-08-07: “Hello Craig, Thank you for taking the time to leave us a review. We are sorry to hear about your recent experience with Fluro and the time it took to reach a decision on your loan application. Here…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
Support unhelpful
4 reports · 11% of complaints“staff unhelpful”
The company replied on 2023-05-10: “Good afternoon Tiffany, Thank you for taking the time to leave us a review. We are sorry to hear about your most recent experience. We have passed your feedback regarding payments to our product team…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
1 reader marked this review helpful on Trustpilot.
“Fluro also state on their website that applying will not affect your credit score (THIS IS A LIE)”
The company replied on 2026-04-22: “Hello Marc, Thank you for taking the time to leave us a review. We're sorry about your recent experience applying for a loan with Fluro. One of our Senior Underwriters will be in contact to discuss…”
Our classifier read this reply as a template response.
“They refused me the next day without even having a conversation with me. Poor customer service”
The company replied on 2025-01-13: “Hello Adam, Thank you for taking the time to leave us a review. We're sorry about your recent experience applying for a Fluro loan. As a responsible lender, we complete checks on loan applications…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Billing errors
4 reports · 11% of complaints“Never received any payment. They said money will be in my account the next working day”
The company replied on 2023-02-13: “Hello there, We’re sorry about your experience applying for a loan with Fluro. We want to investigate this further for you to understand what has happened. Please contact us at [email protected] or call…”
Our classifier read this reply as a template response.
“Took out a loan off the wrong amount that got auto accepted”
The company replied on 2023-02-27: “Hello Robert, We’re incredibly sorry to hear about your most recent experience. We want to investigate this further for you to understand what has happened. Please contact us at [email protected] or…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“I applied for a loan about a week ago and I'm still waiting as I need be up to date with my bills.”
The company replied on 2023-02-20: “Hi there, I am sorry to hear about the delay in paying out your loan. We want to take this opportunity to investigate this further for you. Could you please call us on 0207 096 8512 or contact us by…”
Our classifier read this reply as a template response.
Compare Fluro with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-08.