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American Express Services Europe Limited

Financial Ombudsman decision DRN0123002 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

Mr O is particularly upset that the delay in removing late payment markers from his credit file meant a mortgage application was declined.Credit file reporting

Mr O says Amex didn’t deal with his matter in a diligent manner but instead created undue delay, causing Mr O a great deal of distress.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0123002.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.