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Clydesdale Financial Services Limited

Financial Ombudsman decision DRN-3818923 Not upheld

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

I have seen nothing to persuade me that the loan was unaffordable for Mrs M, so I cannot conclude it was irresponsibly lent.Irresponsible lending

Mrs M has complained that Clydesdale Financial Services Limited, trading as Barclays Partner Finance (“BPF”), has unfairly turned down her claims under sections 75 and 140A of the Consumer Credit Act 1974 (“CCA”).Product mis-sold

Rules cited

Consumer Credit Act 1974, FCA DISP (Dispute Resolution), FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3818923.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.