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Financial Ombudsman decision DRN-2867888 Upheld

Upheldoutcome, as published by the Ombudsman

£400redress stated in the decision

Sat Jan 02deadline 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

Unauthorised transaction, Credit file reporting, Complaint handling

In the Ombudsman’s words

debited £250.85 to her account in errorUnauthorised transaction

impacted Mrs L’s credit file, because it had reported missed payments to the credit reference agenciesCredit file reporting

didn’t resolve the problem quickly or efficientlyComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2867888.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.