Mitsubishi HC Capital UK Plc

Financial Ombudsman decision DRN-4813588 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Aug 07deadline 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

I am also not persuaded that Novuna was party to a credit relationship with Miss J that was unfair to her, under Section 140A of the CCAIrresponsible lending

I’m not persuaded that there was an actionable misrepresentation or breach of contract by the Supplier when it sold to Miss J the FPOC membership on 27 March 2017.Product 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-4813588.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.