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Shop Direct Finance Company Limited
Financial Ombudsman decision DRN-2761979 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Wed Jan 26deadline 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
irresponsibly gave him a running account credit facility he couldn’t afford to repayIrresponsible lending
remove all adverse information it has recorded on Mr M’s credit file in relation to these two accountsCredit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2761979.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.