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Home Retail Group Card Services Limited

Financial Ombudsman decision DRN-2747066 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

The charges Argos apply when there are missed payments are detailed in the terms and conditions. Whilst I understand the £12 charge is greater than the payment that was missed I think it’s reasonable to say the charge is to reflect the administration required when payments aren’t received on time.Charges and fees

Mr R complains about the decision made by Home Retail Group Card Services Limited (“Argos”) to report a missed payment to his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2747066.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.