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Advanced Payment Solutions Limited

Financial Ombudsman decision DRN-4303527 Upheld

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

APP scam refund refused, Unauthorised transaction

In the Ombudsman’s words

A company, which I’ll refer to as X, complains that Advanced Payment Solutions Limited trading as Cashplus Bank has declined its request for a refund of a payment it says was made by a third-party fraudulently.APP scam refund refused

It also appears to be accepted that Mr C didn’t make the disputed payment himself or give anyone else permission to make the payment, so on that basis the payment is unauthorised.Unauthorised transaction

Rules cited

Payment Services Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4303527.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.