National Westminster Bank Plc

Financial Ombudsman decision DRN9504979 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Apr 04deadline 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

Unauthorised transaction, Irresponsible lending

In the Ombudsman’s words

Mrs W complains that National Westminster Bank Plc is asking her to pay a loan that she didn’t agree to and that she didn’t know about until recently.Unauthorised transaction

I think the real issue here is whether Mrs W authorised the loan or benefited from it.Irresponsible lending

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9504979.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.