NRAM Limited

Financial Ombudsman decision DRN9059147 Not upheld

Not upheldoutcome, as published by the Ombudsman

£500redress stated in the decision

Thu Mar 05deadline 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, Support for vulnerable customers

In the Ombudsman’s words

NRAM accepts part of Ms T’s borrowing showed as being in arrears when it shouldn’t have done. It said it would put that right and remove any resulting adverse information from Ms T’s credit file.Credit file reporting

NRAM also accepts that it had agreed to contact Ms T in the format she had asked for, but it failed to do that consistently. It should make reasonable adjustments, which include corresponding with Ms T in an accessible waySupport for vulnerable customers

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9059147.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.