National Westminster Bank Plc

Financial Ombudsman decision DRN4114474 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline 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, Charges and fees, Credit file reporting

In the Ombudsman’s words

Miss W complains that National Westminster Bank Plc (“NatWest”) was irresponsible in increasing the amount of her overdraft limits on her two current accounts, and in granting her a personal loan, without considering her financial position.Irresponsible lending

It continued to apply charges and interest to her accounts when she told it she was experiencing financial difficultiesCharges and fees

She complained to NatWest that the balances of the three debts had not been combined and that this has affected her credit rating.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4114474.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.