Shelby Finance Ltd
Financial Ombudsman decision DRN-2726000 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Jun 24deadline 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
Dot Dot Loans needed to take reasonable steps to ensure that it didn’t lend irresponsibly.Irresponsible lending
Mr N has complained that Shelby Finance Ltd (trading as Dot Dot Loans) did not ask him about his mental health at the time of the application.Support for vulnerable customers
Rules cited
FCA CONC (Consumer Credit sourcebook)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2726000.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.