Barclays Bank UK PLC

Financial Ombudsman decision DRN-3126685 Upheld

Upheldoutcome, as published by the Ombudsman

£7,600redress stated in the decision

Tue Dec 21deadline 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

our investigator didn’t think Barclays had completed proportionate checks before increasing Mr P’s credit limit in both 2015 and 2016. And our investigator thought if Barclays had completed proportionate checks, they would’ve realised the increases were unaffordable for Mr P.Irresponsible lending

I also think Barclays should remove any negative credit information reported to Mr P’s credit file from March 2015.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3126685.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.