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Startline Motor Finance Limited

Financial Ombudsman decision DRN-5857551 Upheld

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 S complains STARTLINE MOTOR FINANCE LIMITED (“Startline”) didn’t carry out sufficient affordability checks before it lent to her.Irresponsible lending

Startline should also remove any adverse payment information recorded on Miss S’s credit file about this agreement.Credit file reporting

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5857551.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.