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Shop Direct Finance Company Limited
Financial Ombudsman decision DRN3185834 Upheld
Upheldoutcome, as published by the Ombudsman
£110redress stated in the decision
Fri Dec 14deadline 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
Charges and fees, Credit file reporting
In the Ombudsman’s words
it should also have removed the missed payment and debt collection charges that were appliedCharges and fees
amend any adverse credit informationCredit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3185834.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.