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Shop Direct Finance Company Limited
Financial Ombudsman decision DRN-4232833 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Aug 28deadline 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
Irresponsible lending, Credit file reporting
In the Ombudsman’s words
Miss S complains Shop Direct Finance Company Limited trading as Very irresponsibly provided her with a store card account and credit limit increases.Irresponsible lending
removing any adverse recorded on her credit file once any outstanding balance had been repaid.Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4232833.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.