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BMW Financial Services(GB) Limited
Financial Ombudsman decision DRN-6332073 Upheld
Upheldoutcome, as published by the Ombudsman
£15,999redress stated in the decision
Wed Jul 15deadline 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 P complains BMW Financial Services (GB) Limited trading as BMW Financial Services (BMW FS) irresponsibly lent to her because it didn’t complete reasonable and proportionate checks to ensure the lending was affordable for her.Irresponsible lending
Remove any adverse information recorded on Miss P’s credit file regarding the agreement.Credit file reporting
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6332073.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.