Mitsubishi HC Capital UK Plc

Financial Ombudsman decision DRN-5594086 Upheld

Upheldoutcome, as published by the Ombudsman

£5,000redress stated in the decision

Fri Jun 27deadline 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mr M complains that Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance is unfairly holding him responsible for a £5,000 loan he says he didn’t apply for.Unauthorised transaction

Missed payments or arrears may have a negative impact on Mr M’s credit score.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5594086.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.