Santander Consumer (UK) Plc

Financial Ombudsman decision DRN6810742 Upheld

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

Treatment in financial difficulty, Charges and fees

In the Ombudsman’s words

when he asked Santander Consumer (UK) plc, trading as Santander Consumer Finance to allow him a break from making payments on a credit agreementTreatment in financial difficulty

the bank not only charged him a fee but also re-financed his debt for longer and at a higher interest rateCharges and fees

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6810742.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.