Barclays Bank UK PLC

Financial Ombudsman decision DRN-6207478 Not upheld

Not upheldoutcome, as published by the Ombudsman

£1,050redress stated in the decision

Mon Apr 06deadline 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

In the Ombudsman’s words

Mr W made an irresponsible lending complaint in May 2025. He said the affordability assessments conducted did not account for whether he could realistically afford to repay the debts once the interest-free periods on the credit cards expired.Irresponsible lending

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6207478.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.