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Omni Capital Retail Finance Limited

Financial Ombudsman decision DRN-2730482 Not 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, Product mis-sold

In the Ombudsman’s words

Mrs M also complained that Omni hadn’t carried out an affordability assessment to show she had the disposable income to afford the monthly payments and that she was vulnerable at the time of sale.Irresponsible lending

Mrs M complains that Omni Capital Retail Finance Limited, has rejected the claim she made under section 75 (“s75”) of the Consumer Credit Act 1974 (“the CCA”) in relation to a battery storge system she says was misrepresented to her by the supplier.Product mis-sold

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2730482.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.