Barclays Bank UK PLC

Financial Ombudsman decision DRN-2774248 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Wed Jul 07deadline 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, Credit file reporting

In the Ombudsman’s words

Mr W believes that he wasn’t in a good enough financial position to have been approved for a loan by Barclays Bank UK PLC and that had reasonable checks into his financial position been undertaken before the loan was approved this would have been apparent to them.Irresponsible lending

Barclays must also remove all adverse reporting information from Mr W’s credit file relating to this loan account.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2774248.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.