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American Express Services Europe Limited
Financial Ombudsman decision DRN-5264184 Not upheld
Not upheldoutcome, as published by the Ombudsman
£115redress stated in the decision
Mon Mar 10deadline 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
Treatment in financial difficulty, Credit file reporting
In the Ombudsman’s words
AESEL’s agent rearranged the payments to start in February 2024, which I think showed forbearance.Treatment in financial difficulty
Mr W complains American Express Services Europe Limited (‘AESEL’) reported a default to the Credit Reference Agencies (‘CRAs’) when he was in an arrangement to repay his personal credit card.Credit file reporting
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5264184.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.