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Financial Ombudsman decision DRN-2786186 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

remove the charge of £199 (and any associated interest and charges) applied to Mrs W’s account for the returned itemCharges and fees

remove any adverse information recorded on Mrs W’s credit file arising from this specific issueCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2786186.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.