Express Gifts Limited

Financial Ombudsman decision DRN6798352 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Thu Apr 19deadline 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, Service failure

In the Ombudsman’s words

remove any adverse information from Mrs L’s credit file in relation to the default and missed payments since 24 October 2017 (if any)Credit file reporting

confusion and upset that was caused by the conflicting messagesService failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN6798352.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.