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National Westminster Bank Plc
Financial Ombudsman decision DRN-3386037 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Tue Apr 26deadline 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
In the Ombudsman’s words
Lenders have a responsibility to lend in an affordable manner. As part of lending responsibly, a lender has to conduct an assessment to make sure any new borrowing is affordable to a consumer.Irresponsible lending
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3386037.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.