R. Raphael & Sons Limited

Financial Ombudsman decision DRN1736238 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mr F complains that R. Raphael & Sons Plc (trading as Rise) is holding him responsible for the debt on a credit card account he says he did not take out.Unauthorised transaction

Mr F wanted to make some changes to his mortgage but was turned down because there was an entry on his credit file about non-payment of money due on a Rise credit card.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1736238.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.