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American Express Services Europe Limited
Financial Ombudsman decision DRN-4714201 Upheld
Upheldoutcome, as published by the Ombudsman
£200redress stated in the decision
Fri May 17deadline 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
Credit file reporting, Product mis-sold
In the Ombudsman’s words
remove the hard search (for the March 2023 application) from Mr N’s credit fileCredit file reporting
AESEL had already agreed to remove the hard search from March 2023, and I consider that was the right thing to do.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4714201.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.