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Financial Ombudsman decision DRN-6048642 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

As Mr T has made no repayments since August 2025, I don’t find it’s unreasonable that his account remains blocked for new purchases.Treatment in financial difficulty

it is showing as in arrears, and no longer in a repayment plan. I don’t consider that unreasonable as Argos has confirmed that Mr T’s last payment was £20 in August 2025.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6048642.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.