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First Holiday Finance Limited

Financial Ombudsman decision DRN-5754261 Upheld

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

Insofar as any adverse information has been recorded within the six years prior to this decision on Mr L’s credit file in connection with the Credit Agreement, this should be removed.Credit file reporting

Mr L complains that First Holiday Finance Ltd acted unfairly and unreasonably by declining to meet his claim in misrepresentation under section 75 of the Consumer Credit Act 1974Product 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-5754261.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.