Not upheld: payment processing without prior warning; use of alternative payment source complaint against Curve UK Limited

Financial Ombudsman decision DRN-6171522 of 2026-04-30T00:00:00+00:00. payment processing without prior warning; use of alternative payment source complaint against Curve UK Limited. Outcome: Not upheld.

Decision detail

Reference	DRN-6171522
Decision date	2026-04-30T00:00:00+00:00
Firm	Curve UK Limited
Product	payment card / e-money account
Claim type	payment processing without prior warning; use of alternative payment source
Outcome	Not upheld
Remedy	No additional remedy ordered. The £10 Curve cash credit already applied by Curve was deemed sufficient.

Summary

Mr B complained that Curve UK Limited debited £8.80 from a different payment card than the one originally authorised, over a month after the initial transaction attempt failed. The original card had been removed from his Curve wallet in the interim. Curve notified Mr B on 30 June 2025 that the payment would be taken that day and applied £10 credit as goodwill. The ombudsman found that Curve's terms and conditions explicitly permitted payment collection from alternative linked sources when the original source was unavailable, and that the notification provided constituted adequate warning. The complaint was not upheld.

The Ombudsman's reasoning

The ombudsman found that Curve's terms and conditions explicitly permitted payment processing after 30 days and authorised the use of alternative payment sources when funds were owed and the original source was unavailable. Mr B had given standing authority for all linked payment sources to be used for amounts owed. Curve provided notification on the day the payment was taken, which constituted adequate warning. The terms and conditions did not require prior warning before re-attempting collection.

How this compares

Group	Decisions	Uphold rate
Curve UK Limited, all decisions	57	34%

Source

Read the original decision on the Financial Ombudsman Service website