R. Raphael & Sons Limited

Financial Ombudsman decision DRN5638223 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£50redress stated in the decision

Thu May 30deadline 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, Product mis-sold

In the Ombudsman’s words

she wants a refund of all the charges she paid for the productCharges and fees

Mrs T complains that R. Raphael & Sons plc (trading as Monument) mis-sold its Payment Break Plan (“PBP”) to herProduct mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5638223.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.