PayPal Europe Sarl & Cie, SCA

Financial Ombudsman decision DRN-2853370 Upheld

Upheldoutcome, as published by the Ombudsman

£499redress stated in the decision

Wed Jul 14deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mrs R complains that PayPal Europe Sarl & Cie, SCA won’t refund a transaction made through PayPal credit that she didn’t apply for or otherwise authorise.Unauthorised transaction

Unwind the credit agreement as if it never existed, including removing any record of the credit from credit reference agencies.Credit file reporting

Rules cited

Consumer Credit Act 1974, Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2853370.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.