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National Westminster Bank Plc

Financial Ombudsman decision DRN-4915411 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

Product mis-sold, Support for vulnerable customers

In the Ombudsman’s words

Mr M’s representative also raised that the activity on Mr M’s account was unusual and suspicious, so they suggest he should not be held liable under Section 83 of the Consumer Credit Act 1974. And that this also means Ulster was negligent towards Mr M and is liable for all the transactions during the period of the scam.Product mis-sold

I have considered the information Mr M has shared about his health and how that impacts him. I acknowledge he has been through a difficult time and this impacts him adversely in stressful situations.Support for vulnerable customers

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4915411.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.