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Shop Direct Finance Company Limited

Financial Ombudsman decision DRN-3765485 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

Miss Q complains that Shop Direct Finance Company Limited gave her incorrect information about the date she needed to pay the balance of a Buy Now Pay Later purchase to avoid being charged interest.Charges and fees

Miss Q rejected Shop Direct’s offer to settle the complaint. She was concerned about the impact of late payment markers remaining on her credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3765485.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.