Shawbrook Bank Limited

Financial Ombudsman decision DRN-4339597 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Dec 25deadline 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

The Lender should remove any adverse information recorded on Mr M’s credit files in connection with the Credit Agreement.Credit file reporting

The decision to lend being irresponsible because the Lender did not carry out the right creditworthiness assessment.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-4339597.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.