Motormile Finance UK Limited

Financial Ombudsman decision DRN7473047 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jul 06deadline 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

Mr D complains that Motormile Finance UK Limited, trading as MMF (“MMF”), is pursuing him for debts that he is unaware of, and that it has added defaults to his credit file without notifying him.Credit file reporting

He wanted to see confirmation from the original lenders that they had assigned the debts to MMF, although MMF had sent Mr D notices of assignment for each of the eight debts that it was pursuing Mr D to pay. Mr D had also asked for copies of his credit agreements, default notices, and statements to show that the money was due for each debt.Service failure

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7473047.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.