Barclays Bank UK PLC

Financial Ombudsman decision DRN-4533959 Upheld

Upheldoutcome, as published by the Ombudsman

£350redress stated in the decision

Fri Feb 02deadline 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, Support for vulnerable customers

In the Ombudsman’s words

Barclays Bank UK PLC trading as Barclaycard acted irresponsibly when it approved her for a credit card in 2019Irresponsible lending

failed to identify Miss D as potentially vulnerable despite clear signs of stress on her account from the startSupport for vulnerable customers

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4533959.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.