Hitachi Capital (UK) Plc

Financial Ombudsman decision DRN6142079 Upheld

Upheldoutcome, as published by the Ombudsman

£550redress stated in the decision

Fri Apr 23deadline 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

Credit file reporting, Product mis-sold

In the Ombudsman’s words

Hitachi recognised this was due to an error on their systems and they have rectified any adverse information that may have been showing on Mrs J’s credit file as a result of this error.Credit file reporting

Mrs J also complains that Hitachi Capital (UK) Plc mis-sold her the fixed sum loan agreement.Product mis-sold

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6142079.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.