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John Lewis Financial Services Limited

Financial Ombudsman decision DRN-4370870 Not 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

JLFS said that if the full balance wasn’t paid by the date of the final demand, then the account would be closed, and a default registered on Mr Z’s credit file.Credit file reporting

Mr Z complained to JLFS. He said he’d been told during the call on 14 April 2023 that if he completed an income and expenditure, he could have a new payment plan.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4370870.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.