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MARKS AND SPENCER FINANCIAL SERVICES PLC

Financial Ombudsman decision DRN0696984 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

Charges and fees, Credit file reporting

In the Ombudsman’s words

M&S said it had now set up a new direct debit and refunded Mr J the charges he’d incurred for previous late payments.Charges and fees

M&S then amended the information on Mr J’s credit file, at which point he had a mortgage application accepted.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0696984.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.