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Specialist Motor Finance Limited

Financial Ombudsman decision DRN7446221 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

the examples I gave of the options they could have suggested to Mr H, when he was in financial hardshipTreatment in financial difficulty

amend the information held by the credit reference agencies to which they have reported to reflect Mr H had two missed paymentsCredit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7446221.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.