3J Finance Limited
Financial Ombudsman decision DRN-2009995 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Jul 15deadline 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
Credit file reporting, Product mis-sold
In the Ombudsman’s words
Remove any negative information relating to the loan from Mr H’s credit file and mark it as “settled” from the first date he contacted either the course provider or 3J Finance to cancel.Credit file reporting
Mr H says that having learned about the educational course he expressed an interest in learning more about this, and a representative visited his home in May 2019. By the end of this meeting Mr H had purchased an educational course for children.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2009995.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.