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Shop Direct Financial Services Limited

Financial Ombudsman decision DRN4019460 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

Shop Direct has applied charges and interest in accordance with the terms and conditions of Mr F’s account with it.Charges and fees

Shop Direct has therefore recorded adverse information on his credit file. I consider that it was entitled to record accurate information about his payment history on his credit fileCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4019460.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.