Shawbrook Bank Limited

Financial Ombudsman decision DRN-3853177 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jan 10deadline 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

Credit file reporting, Product mis-sold

In the Ombudsman’s words

amending the default on Mr N’s credit file to reflect what he now owesCredit file reporting

no affordability checks were undertakenProduct mis-sold

Rules cited

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

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3853177.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.