ACI-UK LIMITED

Financial Ombudsman decision DRN-5881948 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Nov 11deadline 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, Complaint handling

In the Ombudsman’s words

Mr C complains ACI-UK Limited haven’t proven he owes a debt they’re asking him to repay.Credit file reporting

Mr C said he wanted to point out a comment by me saying I couldn’t decide if an account was unenforceable or not. Mr C said this showed I don’t understand the Consumer Credit Act 1974 and he’s said I should have sought professional advice from the FCA if I didn’t know.Complaint handling

Rules cited

FCA CONC (Consumer Credit sourcebook), Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5881948.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.