National Westminster Bank Plc

Financial Ombudsman decision DRN-4545759 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Feb 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, Treatment in financial difficulty

In the Ombudsman’s words

Miss B has complained that National Westminster Bank Plc (“NatWest”) acted irresponsibly when it gave her an overdraft in May 2018.Irresponsible lending

NatWest had failed in its obligations to monitor Miss B’s overdraft usage and offer support when it became apparent she was experiencing financial difficulties.Treatment in financial difficulty

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4545759.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.