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MARKS AND SPENCER FINANCIAL SERVICES PLC

Financial Ombudsman decision DRN0700117 Not 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 E was unable to make the required payments to her credit card when she lost her job. She spoke to M&S about this and says it would not accept her offer to pay £10 per month.Treatment in financial difficulty

Mrs E complains that Marks & Spencer Financial Services Plc unfairly registered a default after she had difficulty making payments to her credit card account.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0700117.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.