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Clydesdale Financial Services Limited
Financial Ombudsman decision DRN-3547151 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Tue Apr 18deadline 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, Product mis-sold
In the Ombudsman’s words
the holiday company failed to conduct a proper assessment of their ability to afford the loanIrresponsible lending
It said that the points were mis-sold and, but for the misrepresentations made, Mr D and his partner wouldn’t have purchased the points nor entered into a loan agreement.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3547151.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.