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Home Retail Group Card Services Limited

Financial Ombudsman decision DRN0623271 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

Mrs A complains that Home Retail Group Card Services Limited (trading as Argos Card Services) hasn’t treated her fairly after she got into financial difficulties in 2011.Treatment in financial difficulty

It’s also been reporting these monthly payments to the credit reference agencies as late payments.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0623271.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.