Santander Consumer (UK) Plc

Financial Ombudsman decision DRN-4869092 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jul 22deadline 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

They didn’t think that Santander had completed appropriate checks, but found that if it had done so, the evidence Miss F had provided by way of bank statements showed she likely had a monthly disposable income of around £500, sufficient to be able to make the monthly payments to this agreement.Irresponsible lending

She said that the agreement had been mis-sold for a number of reasons – it was unaffordable; she didn’t give authority for or sign it and/ or she was coerced by her then friend/ partner to enter into the agreement on their behalf.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4869092.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.