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BMW Financial Services(GB) Limited

Financial Ombudsman decision DRN-2693599 Upheld

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, Credit file reporting

In the Ombudsman’s words

had Alphera conducted adequate checks before lending it would most likely have declined the financeIrresponsible lending

Alphera should therefore arrange to remove any adverse information from his credit fileCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2693599.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.