Barclays Bank UK PLC

Financial Ombudsman decision DRN-5334395 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Sat Apr 29deadline 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, Service failure

In the Ombudsman’s words

The loan fell into arrears in December 2022. Barclays issued a Default Notice on 3 April 2023 which advised Mr W that unless he cleared the arrears on the account before 29 April 2023, the account would be passed to a debt collection agency.Treatment in financial difficulty

It isn’t clear from the information provided why there was such a delay in taking the loan back. On any analysis, six months is too long.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5334395.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.