Mitsubishi HC Capital UK Plc

Financial Ombudsman decision DRN-3616208 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Feb 17deadline 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

Unaffordable lending Mitsubishi has shown us they were able to consider aspects of Mr F’s income and expenditure at the time they assessed his application for credit.Irresponsible lending

Mr F submitted claims under sections 75 and 140A of the Consumer Credit Act 1974 that the sale had been misrepresentedProduct 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-3616208.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.