Black Horse Limited
Financial Ombudsman decision DRN-5143086 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Jan 09deadline 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
Treatment in financial difficulty, Support for vulnerable customers
In the Ombudsman’s words
Black Horse wrote to Mr H about his arrears in September and December 2020. It then issued default notices to him in April and October 2021.Treatment in financial difficulty
I have been very sorry to see that Mr H suffers from a long-term mental health illness. And I have carefully considered whether Black Horse treated him fairly given what it knew about those problems.Support for vulnerable customers
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5143086.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.