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John Lewis Financial Services Limited

Financial Ombudsman decision DRN6299885 Upheld

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, Service failure

In the Ombudsman’s words

Miss T complains that John Lewis Financial Services Limited (“John Lewis”) didn’t make her aware that her account would be defaulted when she called to discuss her account.Credit file reporting

I think the John Lewis advisors could have done a much better job of explaining to her that a default was already on its way, while also changing her payment date as requested.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6299885.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.