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Creation Consumer Finance Limited

Financial Ombudsman decision DRN-6286244 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

She says Creation confirmed it could do this and assured her that there would be no further charges except for the extra interest that had accrued between the change in payment due dates.Charges and fees

Later, she received notification from a Credit Reference Agency (CRA) that a missed payment had been recorded on her credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6286244.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.