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Home Retail Group Card Services Limited

Financial Ombudsman decision DRN-3537507 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

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

Mr M complains that Home Retail Group Card Services Limited trading as Argos Card (“HRG”) acted irresponsibly when they agreed to provide him with a credit card and later increased his credit limit.Irresponsible lending

HRG should also remove all adverse information recorded after 2 August 2017 regarding this account from Mr M’s credit file.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3537507.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.