John Lewis Plc

Financial Ombudsman decision DRN-3724629 Upheld

Upheldoutcome, as published by the Ombudsman

£2,000redress stated in the decision

Wed Oct 26deadline 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

When a borrower is in financial difficulties the lender has a responsibility to treat them with forbearance and due consideration - in other words, fairly.Treatment in financial difficulty

Mr I complains John Lewis Financial Services Limited unfairly reported missed payments to the Credit Reference Agencies (“CRAs”).Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3724629.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.