First Holiday Finance Limited

Financial Ombudsman decision DRN-5692767 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Aug 15deadline 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, Product mis-sold

In the Ombudsman’s words

The Lender being party to unfair credit relationship(s) under the Credit Agreements and related Purchase Agreements for the purposes of Section 140A of the CCAIrresponsible lending

Misrepresentations by the Supplier at the Times of Sale giving him a claim against the Lender under Section 75 of the CCAProduct mis-sold

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-5692767.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.