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Shop Direct Finance Company Limited

Financial Ombudsman decision DRN-3736401 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

Mrs S complains that Shop Direct Finance Company Limited irresponsibly provided her with, and increased the credit limit on, a mail order account so she couldn’t afford the repayments.Irresponsible lending

Shop Direct should also remove all adverse information recorded after 30 June 2018 regarding this account from Mrs S’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3736401.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.