Santander Consumer (UK) Plc

Financial Ombudsman decision DRN-4536824 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Mar 05deadline 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, Credit file reporting

In the Ombudsman’s words

Mr B complains that Santander Consumer (UK) Plc (trading as “Santander” Consumer Finance) unfairly entered into a conditional sale agreement with him.Irresponsible lending

I now turn to Mr B’s credit file. Generally speaking, I’d expect a lender to remove any adverse information recorded on a consumer’s credit file as a result of any credit they shouldn’t have been given.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4536824.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.