Go Car Credit Limited

Financial Ombudsman decision DRN-5736405 Upheld

Upheldoutcome, as published by the Ombudsman

£6,908redress stated in the decision

Mon Sep 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, Credit file reporting

In the Ombudsman’s words

Miss N believes that Go Car Credit Limited should not have lent to her, as the repayments towards the agreement each month were unaffordable.Irresponsible lending

Go Car Credit Limited should ensure that any adverse information on Miss N’s credit file is removedCredit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5736405.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.