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Creation Consumer Finance Limited

Financial Ombudsman decision DRN-2805493 Not upheld

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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mr F is unhappy Creation Consumer Finance Ltd (Creation) didn’t default his account when he experienced financial difficulties in 2018.Treatment in financial difficulty

He said adverse information about this account would still be visible on his credit file, long after the information about his defaulted accounts had been removed.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2805493.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.