PRA Group (UK) Limited

Financial Ombudsman decision DRN1356458 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Sun Jan 19deadline 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

cease reporting the account as in default to the relevant credit referencing agenciesCredit file reporting

PRA Group were unable to supply him with a copy of the credit agreement as required by the CCA 1974Service failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1356458.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.