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Kensington Mortgage Company Limited
Financial Ombudsman decision DRN2512232 Upheld
Upheldoutcome, as published by the Ombudsman
£125redress stated in the decision
Thu Feb 07deadline 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
In the Ombudsman’s words
Kensington’s mortgage system wrongly interpreted the overpayments the borrowers were making as an arrangement to pay, suggesting they were having difficulties in paying the mortgage. And this information was passed to a credit reference agency and recorded on Mr K’s credit file.Credit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2512232.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.