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MARKS AND SPENCER FINANCIAL SERVICES PLC

Financial Ombudsman decision DRN-3532879 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

Treatment in financial difficulty, Credit file reporting

In the Ombudsman’s words

Mrs D is unhappy with how Marks & Spencer Financial Services Plc, trading as M&S Bank, managed the situation when she informed them that she was struggling to meet the payments on her loan account because of the financial impact of Covid-19.Treatment in financial difficulty

M&S must remove all adverse reporting for the period March 2020 to February 2021 from Mrs D’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3532879.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.