R. Raphael & Sons Limited

Financial Ombudsman decision DRN3909164 Upheld

Upheldoutcome, as published by the Ombudsman

£357redress stated in the decision

Fri Feb 15deadline 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, Service failure

In the Ombudsman’s words

Remove any adverse information relating to matter from Mr B’s credit file.Credit file reporting

Mr B complains about his dealings with R. Raphael & Sons Plc (trading as Raphaels Bank), and referred to from hereon as Raphael & Sons in respect of a hire purchase agreement he entered into for a car.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3909164.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.