Indigo Michael Limited

Financial Ombudsman decision DRN-3453022 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jul 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

didn’t complete proper affordability checks before approving her Safety Net facilityIrresponsible lending

SNC should remove any adverse payment information recorded on Ms B’s credit file from when the account was opened.Credit file reporting

Rules cited

FCA DISP (Dispute Resolution), FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3453022.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.