Express Gifts Limited

Financial Ombudsman decision DRN2327773 Upheld

Upheldoutcome, as published by the Ombudsman

£250redress stated in the decision

Fri Jun 10deadline 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, Complaint handling

In the Ombudsman’s words

She would also like her credit report to show a query instead of late payments and default.Credit file reporting

I thought Studio should have provided better customer service. And, it should have done more to help Mrs M reinstate her direct debit – in particular, by explaining to her why it couldn’t do so until the account was up-to-date.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2327773.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.