Mitsubishi HC Capital UK Plc

Financial Ombudsman decision DRN-4998560 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Oct 23deadline 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

Novuna should remove any adverse information recorded on Mr H’s credit file in connection with the Credit Agreement.Credit file reporting

the Supplier had marketed and sold FPOC Membership as an investment to Mr H at the Time of Sale in breach of Regulation 14(3) of the Timeshare, Holiday Products, Resale and Exchange Contracts Regulations 2010Product mis-sold

Rules cited

Consumer Credit Act 1974, FCA DISP (Dispute Resolution)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4998560.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.