R. Raphael & Sons Limited

Financial Ombudsman decision DRN0062550 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Oct 26deadline 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, Charges and fees, Credit file reporting

In the Ombudsman’s words

Mr P complains that R. Raphael & Sons Plc, trading as Monument didn’t treat him properly when he was in financial difficulty.Treatment in financial difficulty

He says it hasn’t refunded all the over-limit and late payment fees or the interest that it charged to his accounts.Charges and fees

He also complains that Monument defaulted his credit card account in 2005, sold the debt to a third party in 2009 and conducted a credit search against him without his permission in 2015.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0062550.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.