Pepper (UK) Limited
Financial Ombudsman decision DRN-5140374 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Wed Jul 31deadline 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, Support for vulnerable customers
In the Ombudsman’s words
Engage had reported the missed payments to the credit reference agencies. This was preventing them from getting a new mortgage elsewhere.Credit file reporting
Mrs H said that Mr P’s circumstances were exceptional, and we ought to take this into account. She said Engage was failing in its duty to avoid significant harm to customers.Support for vulnerable customers
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5140374.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.