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MARKS AND SPENCER FINANCIAL SERVICES PLC
Financial Ombudsman decision DRN0946357 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Nov 09deadline 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
Credit file reporting, Card dispute or chargeback
In the Ombudsman’s words
He wants a refund and any default notified to external credit agencies removed.Credit file reporting
Mr K complains that Marks & Spencer Financial Services Plc (trading as M&S Bank) failed to stop overspending on his store card despite it being over the agreed limit.Card dispute or chargeback
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0946357.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.