PRA Group (UK) Limited

Financial Ombudsman decision DRN-5826543 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Sun Oct 04deadline 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

irresponsibly lent to Mr P by increasing his overdraft on 4 October 2020Irresponsible lending

impacted his credit file negativelyCredit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook), FCA Consumer Duty (PRIN 2A)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5826543.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.