Malcomson (James) Application for Judicial Review (leave stage)
| Jurisdiction | Northern Ireland |
| Court | King's Bench Division (Northern Ireland) |
| Judge | McLaughlin J |
| Judgment Date | 29 April 2026 |
| Neutral Citation | [2026] NIKB 19 |
1
Neutral Citation No: [2026] NIKB 19
Judgment: approved by the court for handing down
(subject to editorial corrections)*
Ref: McLA13039
ICOS No: 26/9225/01
Delivered: 29/04/2026
IN THE HIGH COURT OF JUSTICE IN NORTHERN IRELAND
___________
KING’S BENCH DIVISION
(JUDICIAL REVIEW)
___________
IN THE MATTER OF AN APPLICATION BY JAMES MALCOMSON
FOR LEAVE TO APPLY FOR JUDICIAL REVIEW
___________
The applicant appeared as a Litigant in Person
Mr Allistair Fletcher (instructed by Carson McDowell LLP) for the Proposed Respondent
___________
McLAUGHLIN J
Introduction
[1] This is an application for leave to apply for judicial review of a decision of the
Financial Ombudsman Service (“the Ombudsman”) dated 15 October 2025. The
decision arises out of a complaint by the applicant to the Ombudsman concerning a
decision of the Dromara and Drumgooland Credit Union (“the Credit Union”) on
foot of an application for a home improvement loan.
[2] The impugned decision of the Ombudsman was the second decision made on
foot of complaints against the Credit Union arising out of decisions on loan
applications made by the applicant.
[3] In December 2024, the Ombudsman gave the first decision which arose out of
two complaints about loan applications made by the applicant to the Credit Union in
May and September 2023. Both applications were for a loan of £60,000 and were
refused. The Ombudsman found that the decision to decline the loans was fair but
that the Credit Union should assess a fresh loan application and remove from his file
the credit search for the two earlier applications. It also found that the Credit Union
should pay £200 by way of compensation for delay in responding to a Subject Access
Request.
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