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Klarna Financial Services UK Limited

Financial Ombudsman decision DRN-6131638 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 complaint I’m considering here is whether Klarna acted fairly in how it handled Mr L’s arrears and reached its decision to report a default to the CRAs.Treatment in financial difficulty

Mr L complains Klarna Financial Services UK Limited (“Klarna”) unfairly recorded a default in relation to his fixed-sum loan agreement after he missed consecutive repayments.Credit file reporting

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-6131638.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.