Oakbrook Loans: most-reported complaints
Automated analysis of 578 public Trustpilot reviews published 2025-10-01 to 2026-09-23. TrustScore 4.8 from 3,344 total reviews — see the Trustpilot page. Quick answer: is Oakbrook Loans legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report that support is unhelpful or unreachable, with 14 reports each for these issues. Misleading pricing is another common complaint, also cited in 14 reports. Additionally, 11 reports mention billing errors. The data covers 578 reviews analyzed between October 2025 and September 2026.
How to reach Oakbrook Loans
These are the contact details Oakbrook Loans publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 02080806457, address The Poynt North, 45 Wollaton Street, Nottingham, NG1 5FW, GB.
The company claimed its Trustpilot profile on 2021-10-07, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-22. Trustpilot ranks it 15 of 31 in Loan Agency. We last checked this profile on 2026-09-24 and found 14 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Companies House: OAKBROOK LOANS LIMITED (no. 08292621), active, incorporated 2012 (13.8 years); next accounts due 2027-09-30, last accounts filed 2026-06-05. 4 current officers (14 on record historically), 3 resignations in the last 24 months; 3 filings in the last 12 months (67 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: 1 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: “I'm a little confused with ACI”.
TrustScore over time
4.8 → 4.8 across 15 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: 2026-08-12 (49%, 8.0d) · 2026-08-15 (52%, 7.7d) · 2026-08-18 (51%, 7.7d) · 2026-08-21 (56%, 6.9d) · 2026-08-24 (56%, 6.9d) · 2026-08-27 (55%, 7.2d) · 2026-08-30 (55%, 7.2d) · 2026-09-02 (55%, 7.2d) · 2026-09-08 (54%, 7.2d) · 2026-09-11 (53%, 7.2d) · 2026-09-15 (58%, 6.8d) · 2026-09-18 (55%, 6.8d) · 2026-09-21 (55%, 6.8d) · 2026-09-24 (60%, 6.7d).
Severity: 49% of this company’s 68 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 1.5 days between the experience and publishing their negative review (145 reviews record both dates).
Measured reply time: across 56 negative reviews that received a public reply, the median wait was 5.2 days — the company profile reports an average of 7 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 56 company replies to negative reviews analysed, 2% engaged with the specific problem and 98% were generic templates.
11% of its 478 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: support unhelpful makes up 21% of this company’s complaints vs a 27% median across 320 ranked companies in its sector.
Review velocity: 1,780 of this company’s 3,344 Trustpilot reviews (53%) were written in the last 12 months.
What are the most common complaints about Oakbrook Loans?
Support unhelpful
14 reports · 21% of complaintssteady“After almost a year, and through a lengthy complaints process, I am still waiting for clear answers, and it is seriously affecting my health.”
The company replied on 2026-08-12: “Hi Jason. Thank you for taking the time to leave a review for us. We’re disappointed to hear that you are not happy with the service that you have received. To enable us to investigate your concerns…”
Our classifier read this reply as a template response.
“I have now provided this information and have been told that they are unable to reconsider”
The company replied on 2026-07-16: “Hi, thank you for taking the time to leave a review for us. We’re disappointed to hear that you are not happy with the service that you have received. To enable us to investigate your concerns…”
Our classifier read this reply as a template response.
“They asked me to check my bank account!!!! After explaining that I had already done that I was put on hold”
The company replied on 2026-07-03: “Hi Eddie, Thank you for taking the time to leave a review for us. We’re disappointed to hear that you are not happy with the service that you have received. A member of our team will be in contact…”
Our classifier read this reply as a template response.
Misleading pricing
14 reports · 21% of complaintsfalling“They offer people loans what they know they wont give loans too just so they can say, look how many people apply to us for loans.”
1 reader marked this review helpful on Trustpilot.
“the advertised and reviewed process is not at all what is on offer”
“I've been charged 100% of the total interest”
The company replied on 2026-09-11: “Hi Alexander. Thank you for taking the time to leave a review for us. We’re disappointed to hear that you are not happy with the service that you have received and your experience. To enable us to…”
Our classifier read this reply as a template response.
Support unreachable
12 reports · 18% of complaintsrising since 2026-06“The online app never worked, wait tine to speak to an advisor was always over 45 minutes”
1 reader marked this review helpful on Trustpilot.
“Told i was to get a deposit into my bank find out theyplayed me. No contact to exsplain”
The company replied on 2026-08-18: “Hi Jason. Thank you for taking the time to leave a review for us. We’re disappointed to hear that you are not happy with the service that you have received. We haven’t got your details to reply to…”
Our classifier read this reply as a template response.
“no communication whatsoever.”
The company replied on 2026-07-02: “Hi Sharon, Thank you for taking the time to leave a review for us. We’re disappointed to hear that you are not happy with the service that you have received. A member of our team will be in contact…”
Our classifier read this reply as a template response.
Billing errors
11 reports · 16% of complaintsrising since 2026-06“They overpaid one company and still waiting for money back”
1 reader marked this review helpful on Trustpilot.
“My loan was approved and they forgot to send the money to my account”
“Oakbrook want to charge me £369.01 to settle my loan which isn't correct”
The company replied on 2026-08-21: “Hi David. Thank you for taking the time to leave a review for us. We’re disappointed to hear that you are not happy with the service that you have received. A member of our team will be in contact…”
Our classifier read this reply as a template response.
Overcharging
11 reports · 16% of complaintssteady“They essentially charge you double what you borrowed”
“I've been charged 100% of the total interest”
The company replied on 2026-09-11: “Hi Alexander. Thank you for taking the time to leave a review for us. We’re disappointed to hear that you are not happy with the service that you have received and your experience. To enable us to…”
Our classifier read this reply as a template response.
“Oakbrook want to charge me £369.01 to settle my loan which isn't correct”
The company replied on 2026-08-21: “Hi David. Thank you for taking the time to leave a review for us. We’re disappointed to hear that you are not happy with the service that you have received. A member of our team will be in contact…”
Our classifier read this reply as a template response.
Other
10 reports · 15% of complaintsrising since 2026-06“it took you 4 days only to tell me in the end you couldn’t offer me the loan?”
The company replied on 2026-03-13: “HI Arta, We appreciate you sharing your experience. We're sorry our loan process took longer than expected and that we couldn't offer you a loan in the end. We'll review your feedback to improve our…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“I tried to ring the number and twice it just went blank and when I finally did get through some woman mumbled something in a different language and put the phone down.”
“i’ve now damaged my credit score for absolutely nothing.”
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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 2026-09-24.