Clydesdale Bank Plc
Financial Ombudsman decision DRN-6060789 Upheld
Upheldoutcome, as published by the Ombudsman
£150redress stated in the decision
Mon Feb 09deadline 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 H complains that a credit card account with Clydesdale Bank plc, trading as Virgin Money, wasn’t affordable for her.Irresponsible lending
I consider that it should also ensure that any adverse information about the credit card account that it’s reported to the credit reference agencies is removed from Miss H’s credit file.Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6060789.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.