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Kensington Mortgage Company Limited

Financial Ombudsman decision DRN-3603289 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

Credit file reporting, Mortgage administration

In the Ombudsman’s words

If the debt is still shown on their credit files, then I think it would be fair for Kensington to update their credit files to reflect the fact that the debt has been written off.Credit file reporting

Kensington Mortgage Company Limited (trading as Kensington Mortgages) is unfairly pursuing them for a shortfall debt some eight years after it took their property into possession and sold it.Mortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3603289.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.