Argos Limited

Financial Ombudsman decision DRN-3209756 Not upheld

Not upheldoutcome, as published by the Ombudsman

£15redress stated in the decision

Mon Apr 25deadline 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

Irresponsible lending, Treatment in financial difficulty

In the Ombudsman’s words

failed to carry out proper affordability checks before providing him with an Argos store cardIrresponsible lending

Mr J complained to Argos in July 2020 as he didn’t think it had carried out sufficient checks before allowing him to open his card account. He said this resulted in additional interest and fees being applied, and a default being recorded on his credit file.Treatment in financial difficulty

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3209756.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.