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Shop Direct Finance Company Limited

Financial Ombudsman decision DRN-4583902 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

Mrs W complains that Shop Direct Finance Company Limited irresponsibly gave her two running account credit agreements she couldn’t afford to repay.Irresponsible lending

Shop Direct should also ensure any adverse information it might have recorded with credit reference agencies is removed now that Mrs W has already paid back everything she borrowed.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4583902.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.