3J Finance Limited
Financial Ombudsman decision DRN-4524749 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Jul 15deadline 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
Any adverse information relating to the loan agreement is removed from Miss C’s credit file from December 2022 onward.Credit file reporting
3J Finance didn’t sell Miss C the course or the loan, but it has some responsibilities to Miss C due to certain protections afforded to consumers by the Consumer Credit Act 1974Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4524749.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.