Express Gifts Limited

Financial Ombudsman decision DRN0660338 Upheld

Upheldoutcome, as published by the Ombudsman

£50redress stated in the decision

Thu Jul 20deadline 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

Ensure Mrs K’s credit file is updated to show when the payment was made.Credit file reporting

despite Mrs K providing all of this information to Express Gifts to show she’s paid this money it has continued to chase her through letters and phone calls for the £55 she owes. This isn’t reasonableService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0660338.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.