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Home Retail Group Card Services Limited

Financial Ombudsman decision DRN9513678 Not 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

Credit file reporting, Product mis-sold

In the Ombudsman’s words

he also suggested he never got any terms and conditions for the account and neither was he asked to fill in anything to set up a direct debit to make payments to the account. As a result, he told us that Home Retail ought to remove the default it had asked to be registered on his credit file because he missed payments to it.Credit file reporting

Mr S complains about the information Home Retail Group Card Services Limited gave him when he opened his account.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9513678.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.