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Matthew B

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Review of the Oodle Car Finance, Car Finance:

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My concern is that Oodle does not act in good faith

My concern is that Oodle does not ensure relevant checks are carried out by the dealership prior to purchase. I have factual evidence of this. Furthermore, when I complained I paid for an expert report from one of two companies they accept reports from, which confirmed the vehicle was unsafe and unroadworthy and the fault that rendered it so was present at point of sale. Oodle then, having misplaced the report, made a decision one day after I shared it with them again. The decision was in their favour. Their final response selectively quoted from the expert report, misrepresented the actual subject of my complaint and made generic findings based on mischaracterisation. They also made that decision jointly with a broker. I was not advised that my complaint would hinge upon the opinon of another company. They failed to adhere to their own publicly stated privacy notice by sharing my report and other information without informing me. When I made a Subject Access Request under GDPR Oodle would not release documents even in redacted form, which represents poor practice. Despite giving them a second chance they still wouldn't release them. Having made a Subject Access Request to the companies Oodle shared my information with, without notifying me, I discovered their internal notes occupied an entirely different position to their final response. My case is with the Ombudsman. Despite Oodle recognising, internally, the validity of the report and accepting the car was dangerous to drive and that the report supported my position, they still attempted to obtain a collection fee when I terminated the agreement voluntarily. They did this because the car was not roadworthy. Internaly they accepted that position, externally they do not. Had I not obtained their internal emails and notes via a Subject Access Request to a company that releases information relating to me, I would have found it difficult to challenge such a fee. Do not finance your vehicle with this company. If you do, please ensure the vehicle is thoroughly inspected visually and using an OBD scanner to check old fault codes. And finally, whatever Oodle says about me getting in touch with customer relations, I have tried that and you have repeatedly failed to call me back or address any of my concerns in writing. I will not be in touch except in respect of my ongoing complaint. Reviewed on: 11th April 2026

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