Barclays Bank UK PLC

Financial Ombudsman decision DRN-6147191 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Wed Sep 17deadline 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

Credit file reporting

In the Ombudsman’s words

Barclaycard provided Mr J with a credit card agreement in 2016. Mr J missed consecutive monthly payments to his credit card in mid 2025, and Barclaycard reported it as defaulted with CRAs in September 2025.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6147191.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.