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Creation Financial Services Limited

Financial Ombudsman decision DRN-3336198 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

all payments made from July 2014 are treated as though they were payments of capital and used to reduce Mrs S’ outstanding balances.Charges and fees

the default dates are back dated to July 2014 and any required amendments are made to Mrs S’ credit file to reflect.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3336198.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.