Madison CF UK Limited

Financial Ombudsman decision DRN-1696593 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jan 08deadline 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

Irresponsible lending, Support for vulnerable customers

In the Ombudsman’s words

Mr S says he wouldn’t have passed affordability criteria had 118 118 ran further checks.Irresponsible lending

118 118 has an obligation to see how they can help customers who are struggling with repayments, and to ensure a fair outcome for a vulnerable customer, which Mr S is because of his medical condition.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-1696593.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.