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Clydesdale Financial Services Limited

Financial Ombudsman decision DRN-4841852 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

Mrs K’s complaint suggesting BPF’s decision to lend to her was irresponsible also wasn’t within the Financial Ombudsman Service’s jurisdiction because it wasn’t made in time under the limits set out in DISP 2.8.2 R (2)Irresponsible lending

Mrs K’s complaint about BPF’s decision to reject her concerns about the supplier’s alleged misrepresentations was made in time under DISP 2.8.2 R (2)Product mis-sold

Rules cited

Consumer Credit Act 1974, FCA DISP (Dispute Resolution), Financial Services and Markets Act 2000

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4841852.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.