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Shop Direct Finance Company Limited

Financial Ombudsman decision DRN-3958960 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

Miss M complains that Shop Direct Finance Company Limited (SDFC) irresponsibly increased the credit limit on her credit account so she couldn’t afford the repayments.Irresponsible lending

SDFC further agreed to take the necessary steps to remove any adverse information recorded on Miss M’s credit file since 4 July 2020.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3958960.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.