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R. Raphael & Sons Limited
Financial Ombudsman decision DRN4903305 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Jul 27deadline 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
In the Ombudsman’s words
Mr M complains that R. Raphael & Sons plc (“RRS”) refuses to cancel a loan agreement he took out with it to finance a course he bought from the course provider, P. Mr M says that he was misled about what he would receive and the course was not of satisfactory quality.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4903305.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.