MBNA Limited

Financial Ombudsman decision DRN-6076233 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Sun Jun 08deadline 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

Where a customer is in financial difficulty, and unable to repay what they owe, we’d normally expect a default to be recorded once three to six months of contractual repayments had been missed.Treatment in financial difficulty

Mr F complains that MBNA Limited recorded his credit card account as in default.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6076233.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.