Shelby Finance Ltd
Financial Ombudsman decision DRN-3368958 Not upheld
Not upheldoutcome, as published by the Ombudsman
£15redress stated in the decision
Wed Jul 27deadline 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
Treatment in financial difficulty, Credit file reporting
In the Ombudsman’s words
Mr T was in arrears with Shelby, he had been on an arranged payment plan since February 2021 and certainly since August 2021, and the failed payment on 29 October 2021 meant that Shelby applied a default.Treatment in financial difficulty
Mr T complains that Shelby Finance Ltd, trading as Dot Dot Loans, applied a default to his personal credit file incorrectly.Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3368958.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.