R. Raphael & Sons Limited

Financial Ombudsman decision DRN6142810 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, Product mis-sold

In the Ombudsman’s words

did not activate it when he was in financial difficultiesTreatment in financial difficulty

Mr E complains that R. Raphael & Sons Plc (“Raphaels Bank”) missold a payment break plan to himProduct mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6142810.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.