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Home Retail Group Card Services Limited

Financial Ombudsman decision DRN-3982350 Not 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

Mr J says he wanted to agree a repayment plan before the default deadline, but that Argos didn’t agree that repayment plan until after his account was defaultedTreatment in financial difficulty

Mr J complains about a default Home Retail Group Card Services Limited, trading as Argos Card, who I’ll call Argos, reported to his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3982350.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.