Shelby Finance Ltd
Financial Ombudsman decision DRN-3393938 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Jul 22deadline 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 J didn’t make his scheduled payments and on 4 May 2019 Shelby sent Mr J a notice of arrears letter.Treatment in financial difficulty
Mr J complains that Shelby Finance Limited trading as Dot Dot Loans (Shelby) unfairly defaulted his loan account and then passed the debt to a third-party collection agency. To put things right Mr J would like the default removed from his credit file.Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3393938.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.