Telefonica UK Limited

Financial Ombudsman decision DRN-5758829 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Nov 20deadline 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

O2 didn’t uphold Miss C’s complaint. It said, in short, that it carries out credit checks and asks for the customer’s declaration that they can afford repayments.Irresponsible lending

The investigator also asked O2 to engage with the debt purchaser – who it’d since sold Miss C’s debt to – to ensure that could be carried out, and for an affordable repayment plan to be arranged.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5758829.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.