Barclays Bank UK PLC

Financial Ombudsman decision DRN-2831636 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Sat Dec 11deadline 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

Ms B complains that Barclays Bank UK PLC trading as Barclaycard (“Barclays”) lent to her irresponsibly.Irresponsible lending

Barclays must also remove all adverse reporting from Ms B’s credit file for this account from the opening of the account onwards.Credit file reporting

Rules cited

FCA DISP (Dispute Resolution), FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2831636.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.