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First Holiday Finance Limited

Financial Ombudsman decision DRN-4320233 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’m not persuaded that there’s enough evidence to show that the loan wasn’t affordable for Mrs B and her husband in July 2011 when it was made to themIrresponsible lending

I’m not persuaded that there’s enough evidence to show that the loan was mis-sold to Mrs B and her husbandProduct mis-sold

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4320233.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.