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Northern Rock (Asset Management) plc

Financial Ombudsman decision DRN2804135 Not upheld

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, Product mis-sold

In the Ombudsman’s words

Mr B says that his credit file is incorrect as the unsecured part of his mortgage is included under “unsecured debt (excluding mortgages)”Credit file reporting

Mr B complains that Northern Rock (Asset Management) plc (trading as NRAM) did not tell him that taking out a mortgage with an unsecured portion would damage his credit rating.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2804135.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.