Mann Island Finance Limited

Financial Ombudsman decision DRN-2687467 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Wed Apr 14deadline 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, Charges and fees

In the Ombudsman’s words

Mr S’ complaint about Creation Financial Services Limited (CFS) relates to an increase in his credit limit on his credit card account. This was increased twice in 2017/2018, which Mr S feels was irresponsibleIrresponsible lending

He also complains that late payment charges, interest and over limit fees have been applied to his account.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2687467.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.