Black Horse Limited
Financial Ombudsman decision DRN3185380 Upheld
Upheldoutcome, as published by the Ombudsman
£3,000redress stated in the decision
Sun Jun 30deadline 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 A has complained Black Horse Limited gave her a hire purchase agreement in 2016 which was never affordable.Irresponsible lending
remove all information about this agreement from Miss A’s credit recordCredit file reporting
Rules cited
FCA CONC (Consumer Credit sourcebook)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3185380.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.