Black Horse Limited
Financial Ombudsman decision DRN-6033372 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Feb 05deadline 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
Mrs P is unhappy that Black Horse Limited declined an application she’d made for a loan to finance the final repayment due on a hire purchase agreement.Irresponsible lending
She also complained that they’d conducted a hard search on her credit file.Credit file reporting
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6033372.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.