National Westminster Bank Plc

Financial Ombudsman decision DRN-5360725 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Mar 31deadline 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, Charges and fees

In the Ombudsman’s words

I’m satisfied that NatWest did not lend irresponsibly or act unfairly in allowing Mrs B to use her overdraft in the way that she did bearing in mind all of the circumstances.Irresponsible lending

Mrs B has complained about the overdraft charges National Westminster Bank Plc (“NatWest”) applied to her current account.Charges and fees

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5360725.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.