Clydesdale Bank Plc

Financial Ombudsman decision DRN-4908387 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Aug 13deadline 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

In the Ombudsman’s words

Mrs C complains that Clydesdale Bank plc trading as Virgin Money (‘Virgin’) acted unfairly and disproportionately when they reported a default on her credit card to Credit Reference Agencies (‘CRAs’) for a debt of £11.04.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook), Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4908387.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.