Firm analysis

Oodle Financial Services Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Oodle Financial Services Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

410 published decisions involving Oodle Financial Services Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

410

Firm-specific decision volume in the public corpus

Upheld rate

40.0%

164 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

410

Firm-specific decision volume in the public corpus

Upheld rate

40.0%

164 upheld decisions

Leading product

Consumer Credit

384 decisions

Leading complaint theme

Affordability Assessment Failure

74 tagged decisions

Oodle Financial Services Limited at a glance

Oodle Financial Services Limited appears in 410 published decisions in this corpus. 40.0% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Consumer Credit is the firm’s clearest product exposure in the published decisions, with 384 decisions and an upheld rate of 38.8%.

  • Latest active year in the published data: 2026 (1 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Oodle Financial Services Limited's decision trail runs from 2018 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Oodle Financial Services Limited appeared in 1 published decisions with an upheld rate of 0.0%.

  • 2026: 1 decisions, 0.0% upheld
  • 2025: 156 decisions, 30.1% upheld
  • 2024: 74 decisions, 33.8% upheld
  • 2023: 41 decisions, 26.8% upheld
  • 2022: 37 decisions, 46.0% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to Oodle Financial Services Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Section 140a Cca, Conc are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Consumer Credit: 384 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 140a Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-611866102 Feb 2026Not upheld

Oodle Financial Services Limited · Consumer Credit

My final decision is that I’m not upholding Mr L’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr L to accept or reject my decision before 2 March 2026.

View source decision
DRN-598766418 Dec 2025Not upheld

Oodle Financial Services Limited · Consumer Credit

DRN-5987664 The complaint Mr E complains about the quality of a vehicle that was supplied through a motor finance agreement with Oodle Financial Services Limited (Oodle). What happened In December 2023, Mr E acquired a used car through a hire purchase agreement with Oodle. The car was a... (3 pages)

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DRN-602030716 Dec 2025Not upheld

Oodle Financial Services Limited · Consumer Credit

DRN-6020307 The complaint Mr P complains that Oodle Financial Services Limited (who I’ll call Oodle) were wrong to accept a payment towards his finance agreement from a third party. He says they should also have reported the car as stolen by that third party. What happened Mr P took rec... (2 pages)

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DRN-560042014 Dec 2025Not upheld

Oodle Financial Services Limited · Consumer Credit

DRN-5600420 The complaint Mr P has complained that, with regard to a car he acquired using a hire-purchase agreement with Oodle Financial Services Limited, trading as Oodle Car Finance (“Oodle”), Oodle didn’t make reasonable adjustments for his health needs when dealing with arrears on ... (4 pages)

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DRN-590707612 Dec 2025Not upheld

Oodle Financial Services Limited · Consumer Credit

DRN-5907076 The complaint Mrs P, through her representative, complains that Oodle Financial Services Limited trading as Oodle Car Finance approved a finance agreement for a vehicle which she could not afford to repay. What happened In January 2020 Mrs P wanted to buy a vehicle and used ... (4 pages)

View source decision