JAJA FINANCE LTD
Financial Ombudsman decision DRN-4697109 Upheld
Upheldoutcome, as published by the Ombudsman
£250redress stated in the decision
Thu Apr 25deadline 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, Complaint handling
In the Ombudsman’s words
Mr M complains that JAJA FINANCE LTD (“JAJA”) has recorded a default on his credit file.Credit file reporting
JAJA has only though sent me a copy of an example letter which sets out that a customer is in arrears and needs to pay the total minimum payment due. That is not though a default notice which sets out the actions that a creditor may take if a customer doesn’t remedy a breach to repay arrears (including recording adverse information on a credit file) in a prescribed format as set out by the Consumer Credit Act 1974.Complaint handling
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4697109.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.