TSB Bank plc

Financial Ombudsman decision DRN-5574429 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jun 27deadline 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

Mrs O has complained that TSB Bank plc (‘TSB’) irresponsibly agreed to give her an overdraft facility and then went on to agree increases she couldn’t afford.Irresponsible lending

any adverse information recorded after the periods between 16 August 2010 and 1 August 2013 and for the period going forward from 29 April 2019 in relation to the overdraft should be removed from her credit files.Credit file reporting

Rules cited

Consumer Credit Act 1974, FCA DISP (Dispute Resolution)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5574429.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.