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Creation Consumer Finance Limited

Financial Ombudsman decision DRN-3160402 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

didn’t tell him he owed money and that it notified credit reference agencies of his subsequent arrears.Credit file reporting

I said it may be that Creation had sent him subsequent letters regarding the debt but given it hasn’t responded to request for information I couldn’t safely conclude that it had done so.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3160402.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.