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Shop Direct Finance Company Limited
Financial Ombudsman decision DRN8827726 Upheld
Upheldoutcome, as published by the Ombudsman
£100redress stated in the decision
Fri May 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
Charges and fees, Credit file reporting
In the Ombudsman’s words
she has overpaid Shop Direct and is due a refundCharges and fees
she has had an Arrangement to Pay (AP) marker on her credit file for an inappropriate length of timeCredit file reporting
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8827726.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.