Express Gifts Limited

Financial Ombudsman decision DRN9411516 Not upheld

Not upheldoutcome, as published by the Ombudsman

£50redress stated in the decision

Thu Dec 29deadline 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, Identity checks and access

In the Ombudsman’s words

remove the account from Mr B’s credit fileCredit file reporting

It allowed an account to be opened with no identity checksIdentity checks and access

Rules cited

Consumer Credit Act 1974, Money Laundering Regulations 2017

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9411516.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.