Determination | 23 November 2017

Key issues: 

Unjustness in respect of credit limit increases | Breach of good industry practice | Financial hardship | Debt collection agency | Credit card


  1. I find that, based on the information made available to us, there is insufficient evidence to show that the original credit provider provided the consumer with inappropriate finance.

  2. There is also evidence to show that there was an appropriate response to the consumer’s more recent request for financial hardship assistance.

  3. This Determination affirms the position set out in our Review dated 27 May 2016 (the Review). I do not propose to restate that analysis but instead adopt it (noting one non-material correction in paragraph 16 below) for the purposes of this Determination. A copy of the Review is attached.

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