Telefonica UK Limited

Financial Ombudsman decision DRN-5947783 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Dec 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

O2 hadn’t treated Mr H fairly because it acted irresponsibly in lending to Mr H for the most recent four agreements.Irresponsible lending

I required the removal of adverse information recorded on Mr H’s credit file relating to them, for the period up to when each repayment plan has been arranged.Credit file reporting

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-5947783.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.