Marks and Spencer plc

Financial Ombudsman decision DRN-3555742 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Jul 20deadline 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, Credit file reporting

In the Ombudsman’s words

Ms P is unhappy that Marks & Spencer Financial Service Plc (“M&S”) approved her for a credit account and later increases the credit limit on that account, as she feels that all provisions of credit were unaffordable for her at those times.Irresponsible lending

M&S must also remove all adverse credit reporting relating to this account from the point of the credit limit increase to £8,000 onwardsCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3555742.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.