FCE Bank Plc

Financial Ombudsman decision DRN-3897291 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Feb 09deadline 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

Ms K complains about FCE Bank Plc trading as Ford Credit’s (“FCE”) decision to lend her and its actions after she told it she could no longer make payments towards a hire purchase agreement.Irresponsible lending

FCE reported to credit reference agencies that she had missed payments from November 2020, but she had started missing payments in May 2020.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3897291.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.