First Holiday Finance Limited

Financial Ombudsman decision DRN-4762434 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Feb 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

Irresponsible lending, Product mis-sold

In the Ombudsman’s words

The decision to lend being irresponsible because FHF did not carry out the right creditworthiness assessmentIrresponsible lending

Misrepresentations by the Supplier at the Time of Sale giving them a claim against FHF under s.75 CCAProduct 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-4762434.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.