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Omni Capital Retail Finance Limited

Financial Ombudsman decision DRN-3262678 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, Product mis-sold

In the Ombudsman’s words

Omni must take back the debt and tell the debt collection firm to remove any adverse information on Mrs B’s credit file it has logged in relation to this debt.Credit file reporting

Mrs B says that having learned about the educational course she expressed an interest in learning more about it, and she met with a representative in November 2017. By the end of this meeting Mrs B had purchased an educational course for children. It appears the representative was acting for both the course provider and Omni during the sales process.Product mis-sold

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3262678.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.