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Clydesdale Financial Services Limited
Financial Ombudsman decision DRN-3796285 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Jun 12deadline 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
no proper assessment was done to assess Mrs T’s creditworthiness before providing credit and making loans to her and that no affordability checks were carried out by the holiday companyIrresponsible lending
It said that the points had been misrepresented to Mrs T and her husband, the holiday company used undue influence and breached the contracts, and the terms of the contracts, the misleading actions and omissions of the holiday company and the aggressive sales practices that it used created an unfair relationship between Barclays Partner Finance and Mrs T.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3796285.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.