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Clydesdale Financial Services Limited

Financial Ombudsman decision DRN-4905208 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

The decision to lend was irresponsible because the Lender didn’t carry out the right creditworthiness assessment.Irresponsible lending

Mrs S says that the Supplier made a number of pre-contractual misrepresentations at the Time of SaleProduct 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-4905208.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.