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Shop Direct Finance Company Limited

Financial Ombudsman decision DRN3910070 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

an account was opened with Shop Direct in Mr K’s name. He says that this was done fraudulently by a person he knew.Unauthorised transaction

At that time he discovered that his credit file contained missed payments from Shop Direct, a default from the company that Shop Direct had sold the debt to, and a county court judgment for the debt.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3910070.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.