Clydesdale Bank Plc
Financial Ombudsman decision DRN-3258313 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Apr 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
Account closed or refused, Irresponsible lending
In the Ombudsman’s words
it had decided not to issue him with a replacement card when his current card expired in July 2021. And that when he had repaid the balance of his account, the account would be closed.Account closed or refused
Broadly speaking, a lender is required to carry out checks which are reasonable and proportionate to the amount being lent. And it should show it considered that the borrower would be able to sustainably repay the lendingIrresponsible lending
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3258313.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.