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Creation Consumer Finance Limited

Financial Ombudsman decision DRN-3494227 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mr W complains Creation Consumer Finance Ltd (“Creation”) didn’t agree to a second Covid-related payment deferral when his first came to an end.Treatment in financial difficulty

remove any adverse information recorded on Mr W’s credit file for the duration of what should have been two consecutive three-month payment deferralsCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3494227.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.