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T.B.I. Financial Services Ltd.

Financial Ombudsman decision DRN-3630146 Not 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

TBI have explained they have to issue any proceedings by post as its process but would send any copies onto Mr M by email, so he was fully aware of what was happening.Treatment in financial difficulty

He asked TBI, for information about the debt including who was the original lender, the amount owed and also asked them to provide proof of ownership of the debt as well as a copy of the original credit agreement.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3630146.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.