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Financial Ombudsman decision DRN-5527864 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

Funds blocked or frozen, Charges and fees, Credit file reporting

In the Ombudsman’s words

Mr M’s unhappiness with the card being suspended.Funds blocked or frozen

The charges applied to the account as a result of late/no payment are unfair.Charges and fees

Adverse information had been appropriately recorded with Credit Reference Agencies (“CRAs”), in-line with Argos’ obligation to record a true reflection of the account’s history.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5527864.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.