Shawbrook Bank Limited

Financial Ombudsman decision DRN-5543326 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jul 07deadline 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

Mr S has complained that Shawbrook Bank Limited (“Shawbrook”) failed to conduct proportionate affordability checks before it lent to him.Irresponsible lending

any adverse information will need to be removed from the credit file.Credit file reporting

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5543326.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.