Topaz Finance Limited

Financial Ombudsman decision DRN-5627527 Not upheld

Not upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Thu Aug 28deadline 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, Mortgage administration

In the Ombudsman’s words

Ms W complains about how Topaz Finance Limited trading as Heliodor Mortgages has reported her mortgage to credit reference agencies.Credit file reporting

Heliodor accepted that a letter it sent on 1 November 2024 combined the arrears on both the mortgage and the unsecured loan into a single figureMortgage administration

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5627527.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.