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First Holiday Finance Limited

Financial Ombudsman decision DRN-3501680 Not upheld

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, Product mis-sold

In the Ombudsman’s words

Mr and Mrs S’s representative says that no assessment of Mr and Mrs S’s creditworthiness was made before First Holiday Finance made the loans to themIrresponsible lending

Mr and Mrs S’s claim under section 75 is that the trial membership and the membership that they bought in August 2009 were misrepresented to themProduct mis-sold

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3501680.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.