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Santander UK Plc

Financial Ombudsman decision DRN-5262403 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, Treatment in financial difficulty

In the Ombudsman’s words

Mrs F has complained about an overdraft Santander UK Plc (“Santander”) provided to her. She says the overdraft was irresponsibly provided and caused her continued financial difficulty.Irresponsible lending

I would remind Santander of its continuing obligation to exercise forbearance and due consideration, given what Mrs F has said about having difficulty clearing her overdraft during the course of her complaint.Treatment in financial difficulty

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5262403.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.