R. Raphael & Sons Limited

Financial Ombudsman decision DRN0126332 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Mar 14deadline 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

Charges and fees, Product mis-sold

In the Ombudsman’s words

Monument has agreed to refund all charges to Mr W.Charges and fees

Mr W says he was mis-sold a Payment Break Plan when he took out that credit card.Product mis-sold

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0126332.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.