Express Gifts Limited

Financial Ombudsman decision DRN6104185 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

—deadline 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

Treatment in financial difficulty, Charges and fees, Interest and rates

In the Ombudsman’s words

Mrs D’s complaint relates to a catalogue shopping account. She complains that Express Gifts Ltd (trading as Studio) did not act reasonably when managing her account during the time she made a claim on her regular (monthly) Payment Protection Insurance (‘PPI’) policy.Treatment in financial difficulty

Refund the default sums which had been applied to the accountCharges and fees

Calculate and refund the amount of interest that would have built up on the amount the insurer paid out for the claim period.Interest and rates

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6104185.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.