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Shop Direct Finance Company Limited

Financial Ombudsman decision DRN-3507788 Partly 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Mr A complains that Shop Direct Finance Company Limited (“Shop Direct”) lent to him irresponsibly.Irresponsible lending

If after all the adjustments have been made Mr A no longer owes any money then all adverse information regarding this account should be removed from the credit file from June 2018.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3507788.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.