Black Horse Limited
Financial Ombudsman decision DRN2229594 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Dec 29deadline 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, Product mis-sold
In the Ombudsman’s words
didn’t carry out proper affordability checks and irresponsibly granted her an unaffordable loan on a carIrresponsible lending
I also think Miss G was reasonably made aware of the terms and conditions of the agreement at the point of sale. If she’d been unhappy with it or had questions about it she could’ve raised them at that time. Overall I don’t think the agreement was mis-sold to her.Product mis-sold
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2229594.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.