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Financial Ombudsman decision DRN-2254391 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Tue Nov 10deadline 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, Complaint handling

In the Ombudsman’s words

she understood it had been paid off and closed. She said that having this unused credit on her credit file prevented her from borrowing elsewhere.Credit file reporting

she was also unhappy with how long it had taken to close and backdate the account once she did complain.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2254391.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.