Billing Finance Limited

Financial Ombudsman decision DRN5365753 Not upheld

Not upheldoutcome, as published by the Ombudsman

£330redress stated in the decision

Thu Jun 11deadline 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

Mr B complains that adequate affordability checks weren’t carried out before Billing Finance Ltd provided him with a hire purchase agreement (HPA) to acquire a car.Irresponsible lending

He also says that a default has been unfairly applied to his account.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5365753.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.