Barclays Bank UK PLC

Financial Ombudsman decision DRN-3705129 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Nov 02deadline 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

Mr C has complained that Barclays Bank UK PLC (“Barclays”) did not undertake proper affordability checks when providing him with overdraft facilities which have caused him extreme financial hardship.Irresponsible lending

Mr C complained to Barclays that the lending was irresponsible and requested a refund of all charges and interest on both accounts. Mr C offered Barclays £1,003.51 in full and final settlement of his complaint and requested all adverse data was removed from his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3705129.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.