Freemans Plc

Financial Ombudsman decision DRN-5363152 Upheld

Upheldoutcome, as published by the Ombudsman

£800redress stated in the decision

Mon May 05deadline 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Miss B complains that Freemans Plc lent to her irresponsibly.Irresponsible lending

Freemans should also remove all adverse information recorded after 21 July 2014 regarding this account from Miss B’s credit file.Credit file reporting

Rules cited

FCA DISP (Dispute Resolution), Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5363152.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.