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American Express Services Europe Limited

Financial Ombudsman decision DRN-6114428 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

Mr T is unhappy that American Express Services Europe Limited (“AmEx”) defaulted his account without first issuing him a valid default notice.Treatment in financial difficulty

AmEx must remove all credit reporting of this account from Mr T’s credit file, so that the account doesn’t show on Mr T’s credit file at all.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6114428.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.