Santander Consumer (UK) Plc

Financial Ombudsman decision DRN-3071350 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Mon Oct 25deadline 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

Treatment in financial difficulty, Credit file reporting, Data and privacy

In the Ombudsman’s words

Miss S complains that Santander Consumer (UK) Plc didn’t treat her fairly and with respect when she asked it for a payment holiday.Treatment in financial difficulty

the other bank made the indemnity claim, but Santander rejected it and because of this, a late payment marker was applied to her credit record and this has affected her credit scoreCredit file reporting

Santander also wrongly provided the other bank with a copy of her credit agreement and personal details without her consent and, in doing so, it breached GDPRData and privacy

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3071350.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.