Caversham Finance Limited

Financial Ombudsman decision DRN4473407 Not upheld

Not upheldoutcome, as published by the Ombudsman

£10redress stated in the decision

Thu Oct 18deadline 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

Mrs H complains that Caversham Finance Limited (trading as BrightHouse) did not carry out sufficient affordability checks before providing her with finance agreementsIrresponsible lending

agreements would be removed from Mrs H’s credit fileCredit 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: DRN4473407.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.