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Volkswagen Financial Services (UK) Limited
Financial Ombudsman decision DRN-5204397 Upheld
Upheldoutcome, as published by the Ombudsman
£7,132redress stated in the decision
Wed Dec 11deadline 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
Ms S has complained that Volkswagen Financial Services (UK) Limited trading as Seat Finance (“VFSL”) acted irresponsibly when it approved her for a car finance agreement in May 2023.Irresponsible lending
Once the amount owed has been repaid in full VFSL should remove any adverse information linked to the agreement from Ms S’ credit file.Credit file reporting
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5204397.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.