Black Horse Limited
Financial Ombudsman decision DRN-4885338 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Tue Oct 01deadline 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, Credit file reporting
In the Ombudsman’s words
Mr M, who is represented in this complaint by his father, complains that Black Horse Limited (‘Black Horse’) approved a hire purchase agreement irresponsibly.Irresponsible lending
I’m not aware of Black Horse having recorded any adverse information on Mr M’s credit file in relation to this hire purchase agreement. But as I don’t think it ought to have lent to Mr M, I think it should remove any adverse information from his credit file (if there is any).Credit file reporting
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4885338.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.