Sainsbury's Bank Plc

Financial Ombudsman decision DRN-2280868 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Mon Feb 15deadline 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

refund any fees, interest and charges added due to the late paymentsCharges and fees

Mr D complains Sainsbury’s Bank Plc (“Sainsbury’s”) unfairly applied a default to his credit file following missed payments on his credit card account.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2280868.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.