Shelby Finance Ltd
Financial Ombudsman decision DRN-2564732 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Fri May 28deadline 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
Irresponsible lending, Credit file reporting
In the Ombudsman’s words
Ms A has complained that Shelby Finance Ltd (trading as Dot Dot Loans) did not complete appropriate affordability checks.Irresponsible lending
Dot Dot Loans has an obligation to report this accurate information to the credit reference agencies about the loan status, which will include details of missed payments and when the account was defaulted.Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2564732.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.