Lowell Portfolio I Limited

Financial Ombudsman decision DRN-6020113 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jul 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, Service failure

In the Ombudsman’s words

Lowell removed all reporting from Mr S’ credit file for both accounts.Credit file reporting

Lowell didn’t begin their investigation proper, until July 2025, causing around an eight-week delay into starting the investigation.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6020113.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.