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Home Retail Group Card Services Limited

Financial Ombudsman decision DRN0448462 Upheld

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, Support for vulnerable customers

In the Ombudsman’s words

Home Retail Group acted irresponsibly in opening the account for Miss BIrresponsible lending

I consider Home Retail Group ought reasonably to have been aware that Miss B was a vulnerable consumerSupport for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0448462.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.