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Tandem Bank Limited

Financial Ombudsman decision DRN-4547034 Not upheld

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

I’m not persuaded the Lender was party to a credit relationship with him under the credit agreement that was unfair to him for the purposes of section 140A of the CCAIrresponsible lending

Mr M’s letter of complaint said that at the time of sale the Supplier misrepresented Signature Collection membershipProduct mis-sold

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook), FCA DISP (Dispute Resolution)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4547034.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.