Santander Consumer (UK) Plc

Financial Ombudsman decision DRN-3083505 Upheld

Upheldoutcome, as published by the Ombudsman

£16,000redress stated in the decision

Mon Nov 08deadline 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

Mrs M complains that Santander Consumer (UK) Plc provided her with a conditional sale agreement for a static caravan home in July 2016 that was unaffordable.Irresponsible lending

I also think that as the agreement shouldn’t have gone live Mrs M shouldn’t suffer any detriment from her inability to keep to the payments and Santander should therefore remove any adverse information from her credit file about this account.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3083505.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.