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Clydesdale Financial Services Limited

Financial Ombudsman decision DRN-4071842 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

When considering a complaint about irresponsible lending, I need to be satisfied that adequate checks weren’t undertaken before the credit was provided and that had these happened, BPF would have, or ought reasonably to have, realised the lending was unaffordable.Irresponsible lending

Mrs F complains that Clydesdale Financial Services Limited trading as Barclays Partner Finance (BPF) didn’t address her complaint about the authorisation of the credit intermediary used when her BPF credit card agreement was set up to finance the acquisition of a holiday product.Product mis-sold

Rules cited

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-4071842.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.