PayPal UK Ltd

Financial Ombudsman decision DRN-6142261 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Mon May 18deadline 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

I’m not satisfied that Mr D’s consent has been properly proved. And therefore, I think it’s more likely than not that this transaction is unauthorised.Unauthorised transaction

Remove any record of the credit agreement from Mr D’s credit file.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-6142261.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.