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Clydesdale Financial Services Limited

Financial Ombudsman decision DRN-3845554 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 do not think the loan agreement was voidable, nor do I think there is any evidence to suggest the lending was irresponsible or unaffordable.Irresponsible lending

Mrs F complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (“BPF”) unfairly turned down her claims in relation to a holiday membership she purchased in 2011.Product mis-sold

Rules cited

Consumer Credit Act 1974, FCA DISP (Dispute Resolution), Financial Services and Markets Act 2000

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3845554.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.