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Creation Consumer Finance Limited

Financial Ombudsman decision DRN0358478 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

Credit file reporting, Product mis-sold

In the Ombudsman’s words

I don’t think that should have any adverse effect on Mrs S’ credit file, so Creation will need to ensure that any record of missed payments is updated to reflect that.Credit file reporting

Mrs S has complained about the way Creation Consumer Finance Ltd (“Creation”) has dealt with a claim she made under section 75 of the Consumer Credit Act 1974 (“s.75”).Product mis-sold

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0358478.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.