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BMW Financial Services(GB) Limited
Financial Ombudsman decision DRN-6092465 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Fri Feb 27deadline 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 T complains that BMW FINANCIAL SERVICES (GB) LIMITED trading as Alphera Financial Services, lent to her irresponsibly when they provided her with a personal loan.Irresponsible lending
She also said that Alphera should pay 8% simple interest on the refunded amount... Alphera should also remove all adverse information regarding this account from Miss T’s credit fileCredit file reporting
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6092465.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.