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Home Retail Group Card Services Limited

Financial Ombudsman decision DRN-2475387 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, Support for vulnerable customers

In the Ombudsman’s words

Mr R complains that Home Retail Group Card Services Ltd trading as Argos (Argos) unfairly applied a default marker on his credit file.Credit file reporting

Mr R explained to them that Argos had agreed an extension for repayment, but they said he’d need to take this up with Argos and that the debt needed repaying urgently to avoid further action. Mr R says this caused him a lot of nervousness and distress, and so he asked a family member to lend him the money to repay the outstanding balance in fulll.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2475387.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.