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Blue Motor Finance Limited

Financial Ombudsman decision DRN-5958609 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 H complains that a hire purchase agreement with Blue Motor Finance Limited, under which a car was supplied to her, was unaffordable for her and that it was irresponsible for it to have provided the credit to her.Irresponsible lending

I find that it would also be fair and reasonable for Blue Motor Finance to ensure that any adverse information about the hire purchase agreement that it’s reported to the credit reference agencies is removed from Miss H’s credit file.Credit file reporting

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5958609.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.