When we look into complaints about using credit, we consider things like the quality of the goods or services, and how they were sold - or how the credit agreement was explained.
If we decide something's gone wrong, we'll consider whether someone's lost out as a result - and what the business needs to do to put things right. This could mean allowing someone to reject something they've bought or refunding payments or charges.
There's more information about our approach to goods bought on credit on our website - and you can find case studies in our newsletter, Ombudsman News. And if you've got any other questions, get in touch.