Arrow Global Limited

Financial Ombudsman decision DRN-3239626 Upheld

Upheldoutcome, as published by the Ombudsman

£300redress stated in the decision

Tue Feb 08deadline 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

Credit file reporting, Data and privacy

In the Ombudsman’s words

Mr C complains Arrow Global Limited have provided a copy of a credit agreement which doesn’t include terms it’s supposed to – meaning the agreement, and the debt they now hold for him, is unenforceable.Credit file reporting

he was also unhappy his commonly used password was written next to his bank account details and felt they’d breached General Data Protection Regulations (GDPR) by not encrypting his password.Data and privacy

Rules cited

FCA CONC (Consumer Credit sourcebook), Consumer Credit Act 1974, UK GDPR / Data Protection Act 2018

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3239626.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.