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Shop Direct Finance Company Limited

Financial Ombudsman decision DRN-6045741 Not 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

The Financial Conduct Authority’s Consumer Credit Sourcebook (CONC) contains rules and guidance about how firms should deal with customers who are in arrears. In particular, CONC says firms should treat such customers with forbearance and due consideration.Treatment in financial difficulty

Ms A complains Shop Direct Finance Company Limited (“SDFCL”) treated her unfairly when it recorded a default on her credit file.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6045741.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.