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Clydesdale Financial Services Limited
Financial Ombudsman decision DRN-4323089 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Sep 28deadline 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, Product mis-sold
In the Ombudsman’s words
she said that she hadn’t seen enough to suggest that the relationship between Mrs L and Barclays Partner Finance was unfair and she wasn’t persuaded that a court would reach the conclusion that the relationship was unfair. She also said that she wasn’t satisfied that Mrs L had brought her complaint about unaffordable lending in time.Irresponsible lending
Mrs L’s representative made claims to Barclays Partner Finance in July 2016 under section 140A of the Consumer Credit Act 1974. It said that the membership had been misrepresented to Mrs L and her husband and that the holiday company didn’t conduct a proper assessment of Mrs L’s financial position and ability to repay “the loan”Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4323089.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.