Published decisions
403
Firm-specific decision volume in the public corpus
Firm analysis
PSA Finance UK Limited complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving PSA Finance UK Limited, including outcome context, product mix, complaint themes, and representative cases.
Page summary
403 published decisions involving PSA Finance UK Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
403
Firm-specific decision volume in the public corpus
Upheld rate
44.7%
180 upheld decisions
Latest published decision 24 May 2023
Upheld rate
44.7%
180 upheld decisions
Leading product
Banking and credit
246 decisions
Leading complaint theme
Delay In Claim Handling
40 tagged decisions
PSA Finance UK Limited at a glance
PSA Finance UK Limited appears in 403 published decisions in this corpus. 44.7% 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.
Banking and credit is the firm’s clearest product exposure in the published decisions, with 246 decisions and an upheld rate of 37.8%.
- Latest active year in the published data: 2023 (4 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
PSA Finance UK Limited's decision trail runs from 2015 to 2023. 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, PSA Finance UK Limited appeared in 4 published decisions with an upheld rate of 50.0%.
- 2023: 4 decisions, 50.0% upheld
- 2022: 41 decisions, 58.5% upheld
- 2021: 49 decisions, 61.2% upheld
- 2020: 66 decisions, 40.9% upheld
- 2019: 68 decisions, 33.8% upheld
Themes, products, and precedent signals
Delay In Claim Handling is the strongest complaint-theme signal tied to PSA Finance UK Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Disp 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.
- Banking and credit: 246 decisions
- Second complaint theme: Non-disclosure Or Misrepresentation
- Second precedent signal: Disp
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-415201224 May 2023Not upheld
PSA Finance UK Limited · Consumer Credit
DRN-4152012 The complaint Mr D complains about the charges PSA Finance UK Limited (“PSA”) applied when he returned a car after the end of his hire agreement. He wants PSA to reduce the charges and remove any negative entries from his credit file. What happened Mr D entered into a hire agre... (5 pages)
View source decisionDRN-399009717 Mar 2023Upheld
PSA Finance UK Limited · Consumer Credit
DRN-3990097 The complaint Mr B complains that a car he obtained through a hire purchase agreement with PSA Finance UK Limited (“PSA”) was of unsatisfactory quality. He says PSA should’ve accepted his rejection of the car but instead he was forced to sell the car back to the supplying garag... (8 pages)
View source decisionDRN-392144909 Mar 2023Upheld
PSA Finance UK Limited · Consumer Credit
DRN-3921449 The complaint Mrs S is unhappy with the compensation PSA Finance UK Limited offered after allowing her to reject a car supplied to her under a hire agreement. What happened On 31 May 2019, Mrs S was supplied with a new car through a hire agreement with PSA. She paid an advance ... (4 pages)
View source decisionDRN-396587621 Feb 2023Not upheld
PSA Finance UK Limited · Consumer Credit
DRN-3965876 The complaint Mr B complains about the charges PSA Finance UK Limited (“PSA”) applied when he returned a car after the end of his hire agreement. He says PSA’s communications were misleading, inconsistent, full of errors and contradictions, leaving him feeling harassed. What ha... (5 pages)
View source decisionDRN-378598019 Dec 2022Upheld
PSA Finance UK Limited · Consumer Credit
DRN-3785980 The complaint Miss M complains that PSA Finance UK Limited (“PSA”) irresponsibly granted her a loan she couldn’t afford to repay. What happened In March 2019 Miss M acquired a car and financed the deal through a conditional sale agreement with PSA. She was required to make 60 m... (3 pages)
View source decision