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First Holiday Finance Limited
Financial Ombudsman decision DRN-3674353 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Tue Nov 15deadline 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
Ms M and Mr R have said that they do not remember any affordability assessment being carried out. AS alleges on their behalf that no checks were done and so the lending was ‘irresponsible’.Irresponsible lending
Rules cited
Consumer Credit Act 1974, Financial Services and Markets Act 2000
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3674353.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.