Will Writing Probate

In irresponsible lending complaints, the ombudsman should put the consumer back in the position they would have been in had the lending not occurred, typically through refunding interest and charges while the capital remains repayable.

A lender must administer loan agreements accurately and provide clear, consistent information to consumers, particularly regarding account closure and settlement.

Goods supplied under a hire purchase agreement must be of satisfactory quality, assessed against the standard a reasonable person would consider satisfactory given the car's age, price, and condition.

A financial services provider must fully investigate all relevant customer accounts and provide accurate information in complaint responses.

A Direct Debit Guarantee refund is not absolute; banks may request reasonable clarification about claims involving historic payments before processing refunds.

A creditor may default a consumer's account during breathing space if contractual payment obligations are not met, even if the consumer was not obliged to make payments during that period.

An insurer may cancel a policy for non-payment of premium if it has given at least 14 days' notice and the policyholder fails to pay before the required deadline specified in the policy terms.