Barclays Bank UK PLC

Financial Ombudsman decision DRN-3085890 Upheld

Upheldoutcome, as published by the Ombudsman

£3,000redress stated in the decision

Fri Jan 28deadline 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 F complains that Barclays Bank UK PLC trading as Barclaycard (“Barclays”) acted irresponsibly when they increased her credit card limit in February 2015.Irresponsible lending

Mrs F’s dispute about how the credit file should be amended, following our investigator’s view.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3085890.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.