Shelby Finance Ltd
Financial Ombudsman decision DRN-3020364 Partly upheld
Partly upheldoutcome, as published by the Ombudsman
£50redress stated in the decision
Tue Dec 21deadline 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
Mr G complains that Shelby Finance Ltd, trading as Dot Dot Loans (Shelby), lent to him when it was unaffordable.Irresponsible lending
Mr G complains that Shelby registered adverse information on his credit file for the last loan (a missed payment) and that was incorrect.Credit file reporting
Rules cited
FCA CONC (Consumer Credit sourcebook)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3020364.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.