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Creation Consumer Finance Limited
Financial Ombudsman decision DRN-4419214 Upheld
Upheldoutcome, as published by the Ombudsman
£400redress stated in the decision
Fri Dec 01deadline 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
Credit file reporting, Product mis-sold
In the Ombudsman’s words
remove any adverse information from Mrs F’s credit file in respect of the agreementCredit file reporting
I’m satisfied that the sofa was of unsatisfactory quality when it was supplied meaning there was a breach of contract for which Creation, under section 75, is liable for.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4419214.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.